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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 | $155,697 | $157,304-1.0% | $141,197+10.3% | $152,909+1.8% |
| Participation rate | 84.6% | 84.8%-0.2pp | 82.5%+2.1pp | 82.5%+2.2pp |
| Annual return | 0.31% | 64.34%-64.0pp | 71.41%-71.1pp | 345.46%-345.2pp |
| Employer contribution / active EE | $3,000 | $5,263-43.0% | $4,736-36.7% | $4,764-37.0% |
| Participant deferral / active EE | $5,475 | $7,111-23.0% | $6,710-18.4% | $5,851-6.4% |
| Admin fee / account holder | $13,250 | $12,126+9.3% | $10,265+29.1% | $11,601+14.2% |