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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 | $96,577 | $217,427-55.6% | $185,837-48.0% | $167,518-42.3% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 8.63% | 148.39%-139.8pp | 122.08%-113.5pp | 478.71%-470.1pp |
| Employer contribution / active EE | $10,943 | $5,874+86.3% | $5,168+111.7% | $4,838+126.2% |
| Participant deferral / active EE | $14,600 | $6,357+129.7% | $5,568+162.2% | $6,342+130.2% |
| Admin fee / account holder | $3,121 | $19,816-84.2% | $16,241-80.8% | $12,312-74.6% |