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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 | $45,864 | $148,623-69.1% | $135,974-66.3% | $139,466-67.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 10.25% | 79.30%-69.1pp | 68.30%-58.1pp | 373.66%-363.4pp |
| Employer contribution / active EE | $13,097 | $5,246+149.6% | $4,859+169.6% | $4,754+175.5% |
| Participant deferral / active EE | $10,604 | $8,103+30.9% | $7,760+36.7% | $6,712+58.0% |
| Admin fee / account holder | $2,101 | $12,406-83.1% | $10,767-80.5% | $11,409-81.6% |