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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 | $142,792 | $160,070-10.8% | $147,117-2.9% | $145,897-2.1% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 7.69% | 98.69%-91.0pp | 420.54%-412.9pp | 552.29%-544.6pp |
| Employer contribution / active EE | $8,085 | $5,285+53.0% | $4,932+63.9% | $4,663+73.4% |
| Participant deferral / active EE | $11,575 | $8,419+37.5% | $8,065+43.5% | $6,689+73.0% |
| Admin fee / account holder | $771 | $15,035-94.9% | $12,993-94.1% | $13,390-94.2% |