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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 | $161,346 | $159,978+0.9% | $147,041+9.7% | $145,978+10.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.91% | 98.36%-89.4pp | 419.21%-410.3pp | 550.52%-541.6pp |
| Employer contribution / active EE | $4,195 | $5,288-20.7% | $4,935-15.0% | $4,662-10.0% |
| Participant deferral / active EE | $17,862 | $8,429+111.9% | $8,071+121.3% | $6,690+167.0% |
| Admin fee / account holder | $1,772 | $15,053-88.2% | $13,006-86.4% | $13,400-86.8% |