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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 | $179,648 | $183,539-2.1% | $155,556+15.5% | $145,897+23.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 4.87% | 61.31%-56.4pp | 64.84%-60.0pp | 552.29%-547.4pp |
| Employer contribution / active EE | $2,026 | $5,315-61.9% | $4,675-56.7% | $4,663-56.5% |
| Participant deferral / active EE | $5,315 | $6,467-17.8% | $5,631-5.6% | $6,689-20.6% |
| Admin fee / account holder | $511 | $19,275-97.3% | $15,885-96.8% | $13,390-96.2% |