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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 | $164,329 | $160,040+2.7% | $147,096+11.7% | $145,877+12.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 6.98% | 98.49%-91.5pp | 419.75%-412.8pp | 551.28%-544.3pp |
| Employer contribution / active EE | $8,779 | $5,289+66.0% | $4,936+77.9% | $4,663+88.3% |
| Participant deferral / active EE | $7,695 | $8,429-8.7% | $8,071-4.7% | $6,691+15.0% |
| Admin fee / account holder | $6,065 | $15,050-59.7% | $13,005-53.4% | $13,402-54.7% |