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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 | $150,831 | $148,629+1.5% | $135,982+10.9% | $139,487+8.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 1.25% | 79.33%-78.1pp | 68.32%-67.1pp | 373.84%-372.6pp |
| Employer contribution / active EE | $15,707 | $5,247+199.4% | $4,859+223.2% | $4,755+230.3% |
| Participant deferral / active EE | $7,081 | $8,102-12.6% | $7,760-8.7% | $6,713+5.5% |
| Admin fee / account holder | $2,051 | $12,406-83.5% | $10,767-81.0% | $11,407-82.0% |