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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 | $137,063 | $144,130-4.9% | $117,861+16.3% | $147,586-7.1% |
| Participation rate | 76.5% | 83.4%-7.0pp | 79.7%-3.2pp | 82.8%-6.4pp |
| Annual return | 7.22% | 531.20%-524.0pp | 335.11%-327.9pp | 578.59%-571.4pp |
| Employer contribution / active EE | $1,717 | $4,897-64.9% | $3,786-54.7% | $4,876-64.8% |
| Participant deferral / active EE | $3,223 | $5,316-39.4% | $4,482-28.1% | $5,439-40.7% |
| Admin fee / account holder | $11,051 | $10,887+1.5% | $8,021+37.8% | $10,886+1.5% |