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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 | $78,690 | $176,105-55.3% | $159,474-50.7% | $167,536-53.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 9.74% | 331.91%-322.2pp | 263.68%-253.9pp | 478.82%-469.1pp |
| Employer contribution / active EE | $14,618 | $5,299+175.9% | $4,831+202.6% | $4,839+202.1% |
| Participant deferral / active EE | $8,324 | $7,751+7.4% | $7,353+13.2% | $6,342+31.2% |
| Admin fee / account holder | $806 | $12,559-93.6% | $10,802-92.5% | $12,315-93.5% |