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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 | $126,805 | $165,399-23.3% | $149,745-15.3% | $158,982-20.2% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | -1.49% | 348.34%-349.8pp | 276.72%-278.2pp | 302.99%-304.5pp |
| Employer contribution / active EE | $9,653 | $5,105+89.1% | $4,646+107.8% | $4,763+102.7% |
| Participant deferral / active EE | $10,521 | $7,183+46.5% | $6,843+53.7% | $5,983+75.8% |
| Admin fee / account holder | $1,081 | $10,811-90.0% | $9,312-88.4% | $11,252-90.4% |