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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 | $239,334 | $160,070+49.5% | $147,117+62.7% | $145,897+64.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.44% | 98.69%-91.2pp | 420.54%-413.1pp | 552.29%-544.8pp |
| Employer contribution / active EE | $13,861 | $5,285+162.3% | $4,932+181.0% | $4,663+197.3% |
| Participant deferral / active EE | $19,125 | $8,419+127.2% | $8,065+137.1% | $6,689+185.9% |
| Admin fee / account holder | $856 | $15,035-94.3% | $12,993-93.4% | $13,390-93.6% |