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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 | $72,117 | $160,040-54.9% | $147,096-51.0% | $145,877-50.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.51% | 98.49%-89.0pp | 419.75%-410.2pp | 551.28%-541.8pp |
| Employer contribution / active EE | $17,500 | $5,289+230.9% | $4,936+254.5% | $4,663+275.3% |
| Participant deferral / active EE | $12,962 | $8,429+53.8% | $8,071+60.6% | $6,691+93.7% |
| Admin fee / account holder | $575 | $15,050-96.2% | $13,005-95.6% | $13,402-95.7% |