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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 | $113,667 | $160,070-29.0% | $147,117-22.7% | $145,897-22.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 4.49% | 98.69%-94.2pp | 420.54%-416.0pp | 552.29%-547.8pp |
| Employer contribution / active EE | $17,001 | $5,285+221.7% | $4,932+244.7% | $4,663+264.6% |
| Participant deferral / active EE | $10,807 | $8,419+28.4% | $8,065+34.0% | $6,689+61.6% |
| Admin fee / account holder | $904 | $15,035-94.0% | $12,993-93.0% | $13,390-93.3% |