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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 | $240,674 | $160,070+50.4% | $147,117+63.6% | $145,897+65.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.32% | 98.69%-91.4pp | 420.54%-413.2pp | 552.29%-545.0pp |
| Employer contribution / active EE | $6,456 | $5,285+22.2% | $4,932+30.9% | $4,663+38.5% |
| Participant deferral / active EE | $12,919 | $8,419+53.4% | $8,065+60.2% | $6,689+93.1% |
| Admin fee / account holder | $1,237 | $15,035-91.8% | $12,993-90.5% | $13,390-90.8% |