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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 | $132,930 | $202,342-34.3% | $172,753-23.1% | $152,909-13.1% |
| Participation rate | 83.3% | 87.1%-3.7pp | 82.6%+0.7pp | 82.5%+0.9pp |
| Annual return | 10.69% | 1029.88%-1019.2pp | 803.00%-792.3pp | 345.46%-334.8pp |
| Employer contribution / active EE | $8,449 | $5,857+44.2% | $5,144+64.2% | $4,764+77.4% |
| Participant deferral / active EE | $5,038 | $5,948-15.3% | $5,198-3.1% | $5,851-13.9% |
| Admin fee / account holder | $333 | $17,112-98.1% | $13,956-97.6% | $11,601-97.1% |