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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 | $174,519 | $183,539-4.9% | $155,556+12.2% | $145,897+19.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.62% | 61.31%-52.7pp | 64.84%-56.2pp | 552.29%-543.7pp |
| Employer contribution / active EE | $11,672 | $5,315+119.6% | $4,675+149.7% | $4,663+150.3% |
| Participant deferral / active EE | $11,631 | $6,467+79.9% | $5,631+106.6% | $6,689+73.9% |
| Admin fee / account holder | $4,871 | $19,275-74.7% | $15,885-69.3% | $13,390-63.6% |