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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 | $143,164 | $176,120-18.7% | $159,487-10.2% | $167,553-14.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.45% | 331.95%-322.5pp | 263.71%-254.3pp | 478.89%-469.4pp |
| Employer contribution / active EE | $7,131 | $5,299+34.6% | $4,831+47.6% | $4,840+47.4% |
| Participant deferral / active EE | $7,341 | $7,752-5.3% | $7,354-0.2% | $6,343+15.7% |
| Admin fee / account holder | $391 | $12,561-96.9% | $10,804-96.4% | $12,316-96.8% |