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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 | $243,280 | $176,120+38.1% | $159,487+52.5% | $167,553+45.2% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.65% | 331.95%-322.3pp | 263.71%-254.1pp | 478.89%-469.2pp |
| Employer contribution / active EE | $21,291 | $5,299+301.8% | $4,831+340.7% | $4,840+339.9% |
| Participant deferral / active EE | $8,290 | $7,752+6.9% | $7,354+12.7% | $6,343+30.7% |
| Admin fee / account holder | $1,861 | $12,561-85.2% | $10,804-82.8% | $12,316-84.9% |