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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 | $194,272 | $176,077+10.3% | $159,455+21.8% | $167,518+16.0% |
| Participation rate | 100.0% | 84.9%+15.1pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 6.83% | 331.83%-325.0pp | 263.63%-256.8pp | 478.71%-471.9pp |
| Employer contribution / active EE | $14,507 | $5,298+173.8% | $4,830+200.3% | $4,838+199.8% |
| Participant deferral / active EE | $10,177 | $7,751+31.3% | $7,353+38.4% | $6,342+60.5% |
| Admin fee / account holder | $12,174 | $12,556-3.0% | $10,800+12.7% | $12,312-1.1% |