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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 | $155,200 | $144,130+7.7% | $117,861+31.7% | $147,586+5.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 6.31% | 531.20%-524.9pp | 335.11%-328.8pp | 578.59%-572.3pp |
| Employer contribution / active EE | $1,442 | $4,897-70.6% | $3,786-61.9% | $4,876-70.4% |
| Participant deferral / active EE | $15,576 | $5,316+193.0% | $4,482+247.5% | $5,439+186.4% |
| Admin fee / account holder | $2,064 | $10,887-81.0% | $8,021-74.3% | $10,886-81.0% |