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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 | $122,549 | $160,028-23.4% | $147,080-16.7% | $145,884-16.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.34% | 98.60%-91.3pp | 420.17%-412.8pp | 551.85%-544.5pp |
| Employer contribution / active EE | $10,895 | $5,286+106.1% | $4,933+120.9% | $4,662+133.7% |
| Participant deferral / active EE | $9,247 | $8,422+9.8% | $8,066+14.6% | $6,690+38.2% |
| Admin fee / account holder | $6,104 | $15,030-59.4% | $12,989-53.0% | $13,392-54.4% |