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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 | $212,357 | $160,028+32.7% | $147,080+44.4% | $145,884+45.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.58% | 98.60%-90.0pp | 420.17%-411.6pp | 551.85%-543.3pp |
| Employer contribution / active EE | $1,067 | $5,286-79.8% | $4,933-78.4% | $4,662-77.1% |
| Participant deferral / active EE | $24,003 | $8,422+185.0% | $8,066+197.6% | $6,690+258.8% |
| Admin fee / account holder | $889 | $15,030-94.1% | $12,989-93.2% | $13,392-93.4% |