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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 | $232,060 | $176,105+31.8% | $159,474+45.5% | $167,536+38.5% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 5.79% | 331.91%-326.1pp | 263.68%-257.9pp | 478.82%-473.0pp |
| Employer contribution / active EE | $14,286 | $5,299+169.6% | $4,831+195.7% | $4,839+195.2% |
| Participant deferral / active EE | $5,948 | $7,751-23.3% | $7,353-19.1% | $6,342-6.2% |
| Admin fee / account holder | $1,533 | $12,559-87.8% | $10,802-85.8% | $12,315-87.6% |