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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 | $120,339 | $148,629-19.0% | $135,982-11.5% | $139,487-13.7% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 8.09% | 79.33%-71.2pp | 68.32%-60.2pp | 373.84%-365.7pp |
| Employer contribution / active EE | $6,574 | $5,247+25.3% | $4,859+35.3% | $4,755+38.3% |
| Participant deferral / active EE | $15,844 | $8,102+95.6% | $7,760+104.2% | $6,713+136.0% |
| Admin fee / account holder | $1,898 | $12,406-84.7% | $10,767-82.4% | $11,407-83.4% |