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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 | $145,115 | $112,131+29.4% | $95,964+51.2% | $158,982-8.7% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 4.65% | 171.19%-166.5pp | 91.64%-87.0pp | 302.99%-298.3pp |
| Employer contribution / active EE | $7,398 | $3,199+131.3% | $2,541+191.1% | $4,763+55.3% |
| Participant deferral / active EE | $9,597 | $4,784+100.6% | $4,167+130.3% | $5,983+60.4% |
| Admin fee / account holder | $9,199 | $10,136-9.2% | $6,797+35.3% | $11,252-18.2% |