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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 | $135,199 | $112,933+19.7% | $90,970+48.6% | $158,982-15.0% |
| Participation rate | 88.9% | 74.7%+14.2pp | 69.0%+19.9pp | 82.0%+6.9pp |
| Annual return | -0.23% | 215.82%-216.0pp | 134.60%-134.8pp | 302.99%-303.2pp |
| Employer contribution / active EE | $7,453 | $2,893+157.6% | $2,122+251.2% | $4,763+56.5% |
| Participant deferral / active EE | $4,703 | $4,128+13.9% | $3,373+39.4% | $5,983-21.4% |
| Admin fee / account holder | $2,161 | $8,047-73.1% | $5,961-63.8% | $11,252-80.8% |