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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 | $118,854 | $160,028-25.7% | $147,080-19.2% | $145,884-18.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.67% | 98.60%-89.9pp | 420.17%-411.5pp | 551.85%-543.2pp |
| Employer contribution / active EE | $9,405 | $5,286+77.9% | $4,933+90.6% | $4,662+101.7% |
| Participant deferral / active EE | $4,905 | $8,422-41.8% | $8,066-39.2% | $6,690-26.7% |
| Admin fee / account holder | $604 | $15,030-96.0% | $12,989-95.3% | $13,392-95.5% |