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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $187,598 | $168,635+11.2% | $147,617+27.1% | $125,389+49.6% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -4.31% | 77.65%-82.0pp | 61.98%-66.3pp | 282.24%-286.6pp |
| Employer contribution / active EE | $7,224 | $6,252+15.5% | $5,564+29.8% | $4,866+48.5% |
| Participant deferral / active EE | $4,974 | $5,507-9.7% | $4,895+1.6% | $5,352-7.1% |
| Admin fee / account holder | $5,560 | $13,580-59.1% | $11,612-52.1% | $9,541-41.7% |