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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 | $112,599 | $148,629-24.2% | $135,982-17.2% | $139,487-19.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 8.32% | 79.33%-71.0pp | 68.32%-60.0pp | 373.84%-365.5pp |
| Employer contribution / active EE | $17,684 | $5,247+237.1% | $4,859+263.9% | $4,755+271.9% |
| Participant deferral / active EE | $14,089 | $8,102+73.9% | $7,760+81.6% | $6,713+109.9% |
| Admin fee / account holder | $877 | $12,406-92.9% | $10,767-91.9% | $11,407-92.3% |