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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 | $159,934+0.9% | $147,005+9.8% | $145,959+10.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 5.59% | 98.24%-92.6pp | 418.76%-413.2pp | 561.95%-556.4pp |
| Employer contribution / active EE | $23,726 | $5,287+348.7% | $4,934+380.8% | $4,661+409.0% |
| Participant deferral / active EE | $13,657 | $8,427+62.1% | $8,070+69.2% | $6,689+104.2% |
| Admin fee / account holder | $1,092 | $15,053-92.7% | $13,006-91.6% | $13,398-91.8% |