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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 | $74,917 | $148,623-49.6% | $135,974-44.9% | $139,466-46.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 8.62% | 79.30%-70.7pp | 68.30%-59.7pp | 373.66%-365.0pp |
| Employer contribution / active EE | $8,157 | $5,246+55.5% | $4,859+67.9% | $4,754+71.6% |
| Participant deferral / active EE | $11,270 | $8,103+39.1% | $7,760+45.2% | $6,712+67.9% |
| Admin fee / account holder | $421 | $12,406-96.6% | $10,767-96.1% | $11,409-96.3% |