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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 | $239,629 | $159,934+49.8% | $147,005+63.0% | $145,959+64.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.88% | 98.24%-90.4pp | 418.76%-410.9pp | 561.95%-554.1pp |
| Employer contribution / active EE | $11,579 | $5,287+119.0% | $4,934+134.7% | $4,661+148.4% |
| Participant deferral / active EE | $8,059 | $8,427-4.4% | $8,070-0.1% | $6,689+20.5% |
| Admin fee / account holder | $2,585 | $15,053-82.8% | $13,006-80.1% | $13,398-80.7% |