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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 | $106,870 | $160,070-33.2% | $147,117-27.4% | $145,897-26.8% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.1pp | 80.3%+3.0pp |
| Annual return | 6.95% | 98.69%-91.7pp | 420.54%-413.6pp | 552.29%-545.3pp |
| Employer contribution / active EE | $17,194 | $5,285+225.4% | $4,932+248.6% | $4,663+268.8% |
| Participant deferral / active EE | $14,118 | $8,419+67.7% | $8,065+75.1% | $6,689+111.0% |
| Admin fee / account holder | $8,775 | $15,035-41.6% | $12,993-32.5% | $13,390-34.5% |