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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 | $115,564 | $176,105-34.4% | $159,474-27.5% | $167,536-31.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 8.69% | 331.91%-323.2pp | 263.68%-255.0pp | 478.82%-470.1pp |
| Employer contribution / active EE | $14,440 | $5,299+172.5% | $4,831+198.9% | $4,839+198.4% |
| Participant deferral / active EE | $8,667 | $7,751+11.8% | $7,353+17.9% | $6,342+36.6% |
| Admin fee / account holder | $1,481 | $12,559-88.2% | $10,802-86.3% | $12,315-88.0% |