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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 | $165,084 | $144,130+14.5% | $117,861+40.1% | $147,586+11.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 5.48% | 531.20%-525.7pp | 335.11%-329.6pp | 578.59%-573.1pp |
| Employer contribution / active EE | $8,194 | $4,897+67.3% | $3,786+116.4% | $4,876+68.0% |
| Participant deferral / active EE | $4,195 | $5,316-21.1% | $4,482-6.4% | $5,439-22.9% |
| Admin fee / account holder | $1,472 | $10,887-86.5% | $8,021-81.6% | $10,886-86.5% |