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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 | $161,366 | $160,040+0.8% | $147,096+9.7% | $145,877+10.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 5.59% | 98.49%-92.9pp | 419.75%-414.2pp | 551.28%-545.7pp |
| Employer contribution / active EE | $23,726 | $5,289+348.6% | $4,936+380.7% | $4,663+408.8% |
| Participant deferral / active EE | $13,657 | $8,429+62.0% | $8,071+69.2% | $6,691+104.1% |
| Admin fee / account holder | $1,092 | $15,050-92.7% | $13,005-91.6% | $13,402-91.9% |