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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 | $133,934 | $112,112+19.5% | $95,956+39.6% | $158,950-15.7% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 3.42% | 171.15%-167.7pp | 91.63%-88.2pp | 302.91%-299.5pp |
| Employer contribution / active EE | $17,275 | $3,199+440.1% | $2,541+579.8% | $4,762+262.8% |
| Participant deferral / active EE | $11,037 | $4,784+130.7% | $4,167+164.9% | $5,983+84.5% |
| Admin fee / account holder | $54,314 | $10,134+435.9% | $6,797+699.1% | $11,248+382.9% |