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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 | $226,556 | $160,070+41.5% | $147,117+54.0% | $145,897+55.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.24% | 98.69%-89.4pp | 420.54%-411.3pp | 552.29%-543.0pp |
| Employer contribution / active EE | $45,500 | $5,285+761.0% | $4,932+822.5% | $4,663+875.8% |
| Participant deferral / active EE | $22,896 | $8,419+171.9% | $8,065+183.9% | $6,689+242.3% |
| Admin fee / account holder | $2,033 | $15,035-86.5% | $12,993-84.4% | $13,390-84.8% |