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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 | $129,972 | $160,028-18.8% | $147,080-11.6% | $145,884-10.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.65% | 98.60%-89.9pp | 420.17%-411.5pp | 551.85%-543.2pp |
| Employer contribution / active EE | $9,654 | $5,286+82.7% | $4,933+95.7% | $4,662+107.1% |
| Participant deferral / active EE | $8,977 | $8,422+6.6% | $8,066+11.3% | $6,690+34.2% |
| Admin fee / account holder | $557 | $15,030-96.3% | $12,989-95.7% | $13,392-95.8% |