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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 | $120,070 | $160,040-25.0% | $147,096-18.4% | $145,877-17.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 6.28% | 98.49%-92.2pp | 419.75%-413.5pp | 551.28%-545.0pp |
| Employer contribution / active EE | $1,144 | $5,289-78.4% | $4,936-76.8% | $4,663-75.5% |
| Participant deferral / active EE | $2,700 | $8,429-68.0% | $8,071-66.5% | $6,691-59.6% |
| Admin fee / account holder | $54,815 | $15,050+264.2% | $13,005+321.5% | $13,402+309.0% |