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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 | $178,953 | $209,422-14.5% | $178,503+0.3% | $158,982+12.6% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 4.90% | 188.81%-183.9pp | 151.12%-146.2pp | 302.99%-298.1pp |
| Employer contribution / active EE | $4,205 | $5,707-26.3% | $5,011-16.1% | $4,763-11.7% |
| Participant deferral / active EE | $4,942 | $5,955-17.0% | $5,202-5.0% | $5,983-17.4% |
| Admin fee / account holder | $695 | $17,079-95.9% | $13,987-95.0% | $11,252-93.8% |