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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 | $88,079 | $148,623-40.7% | $135,974-35.2% | $139,466-36.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 12.06% | 79.30%-67.2pp | 68.30%-56.2pp | 373.66%-361.6pp |
| Employer contribution / active EE | $19,163 | $5,246+265.3% | $4,859+294.4% | $4,754+303.1% |
| Participant deferral / active EE | $8,302 | $8,103+2.5% | $7,760+7.0% | $6,712+23.7% |
| Admin fee / account holder | $2,889 | $12,406-76.7% | $10,767-73.2% | $11,409-74.7% |