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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 | $94,185 | $160,070-41.2% | $147,117-36.0% | $145,897-35.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.73% | 98.69%-90.0pp | 420.54%-411.8pp | 552.29%-543.6pp |
| Employer contribution / active EE | $1,034 | $5,285-80.4% | $4,932-79.0% | $4,663-77.8% |
| Participant deferral / active EE | $14,733 | $8,419+75.0% | $8,065+82.7% | $6,689+120.3% |
| Admin fee / account holder | $370 | $15,035-97.5% | $12,993-97.1% | $13,390-97.2% |