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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 | $154,949 | $160,028-3.2% | $147,080+5.3% | $145,884+6.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.13% | 98.60%-91.5pp | 420.17%-413.0pp | 551.85%-544.7pp |
| Employer contribution / active EE | $24,922 | $5,286+371.5% | $4,933+405.2% | $4,662+434.6% |
| Participant deferral / active EE | $16,750 | $8,422+98.9% | $8,066+107.7% | $6,690+150.4% |
| Admin fee / account holder | $2,629 | $15,030-82.5% | $12,989-79.8% | $13,392-80.4% |