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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 | $159,978-54.9% | $147,041-51.0% | $145,978-50.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.51% | 98.36%-88.9pp | 419.21%-409.7pp | 550.52%-541.0pp |
| Employer contribution / active EE | $17,500 | $5,288+230.9% | $4,935+254.6% | $4,662+275.4% |
| Participant deferral / active EE | $12,962 | $8,429+53.8% | $8,071+60.6% | $6,690+93.8% |
| Admin fee / account holder | $575 | $15,053-96.2% | $13,006-95.6% | $13,400-95.7% |