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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 | $187,920 | $160,028+17.4% | $147,080+27.8% | $145,884+28.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.64% | 98.60%-89.0pp | 420.17%-410.5pp | 551.85%-542.2pp |
| Employer contribution / active EE | $9,281 | $5,286+75.6% | $4,933+88.1% | $4,662+99.1% |
| Participant deferral / active EE | $10,071 | $8,422+19.6% | $8,066+24.8% | $6,690+50.5% |
| Admin fee / account holder | $26,153 | $15,030+74.0% | $12,989+101.3% | $13,392+95.3% |