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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 | $233,566 | $160,040+45.9% | $147,096+58.8% | $145,877+60.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.34% | 98.49%-91.2pp | 419.75%-412.4pp | 551.28%-543.9pp |
| Employer contribution / active EE | $8,989 | $5,289+69.9% | $4,936+82.1% | $4,663+92.8% |
| Participant deferral / active EE | $11,460 | $8,429+36.0% | $8,071+42.0% | $6,691+71.3% |
| Admin fee / account holder | $978 | $15,050-93.5% | $13,005-92.5% | $13,402-92.7% |