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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 | $201,864 | $176,105+14.6% | $159,474+26.6% | $167,536+20.5% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.18% | 331.91%-322.7pp | 263.68%-254.5pp | 478.82%-469.6pp |
| Employer contribution / active EE | $13,470 | $5,299+154.2% | $4,831+178.8% | $4,839+178.4% |
| Participant deferral / active EE | $11,337 | $7,751+46.3% | $7,353+54.2% | $6,342+78.8% |
| Admin fee / account holder | $500 | $12,559-96.0% | $10,802-95.4% | $12,315-95.9% |