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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 | $81,684 | $160,040-49.0% | $147,096-44.5% | $145,877-44.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.73% | 98.49%-90.8pp | 419.75%-412.0pp | 551.28%-543.5pp |
| Employer contribution / active EE | $14,978 | $5,289+183.2% | $4,936+203.4% | $4,663+221.2% |
| Participant deferral / active EE | $12,374 | $8,429+46.8% | $8,071+53.3% | $6,691+84.9% |
| Admin fee / account holder | $10,563 | $15,050-29.8% | $13,005-18.8% | $13,402-21.2% |