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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 | $145,729 | $160,040-8.9% | $147,096-0.9% | $145,877-0.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.10% | 98.49%-91.4pp | 419.75%-412.6pp | 551.28%-544.2pp |
| Employer contribution / active EE | $1,657 | $5,289-68.7% | $4,936-66.4% | $4,663-64.5% |
| Participant deferral / active EE | $9,193 | $8,429+9.1% | $8,071+13.9% | $6,691+37.4% |
| Admin fee / account holder | $3,182 | $15,050-78.9% | $13,005-75.5% | $13,402-76.3% |