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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 | $135,869 | $159,934-15.0% | $147,005-7.6% | $145,959-6.9% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.26% | 98.24%-90.0pp | 418.76%-410.5pp | 561.95%-553.7pp |
| Employer contribution / active EE | $16,279 | $5,287+207.9% | $4,934+229.9% | $4,661+249.3% |
| Participant deferral / active EE | $17,707 | $8,427+110.1% | $8,070+119.4% | $6,689+164.7% |
| Admin fee / account holder | $29,163 | $15,053+93.7% | $13,006+124.2% | $13,398+117.7% |