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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 | $128,956 | $159,978-19.4% | $147,041-12.3% | $145,978-11.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 5.58% | 98.36%-92.8pp | 419.21%-413.6pp | 550.52%-544.9pp |
| Employer contribution / active EE | $2,380 | $5,288-55.0% | $4,935-51.8% | $4,662-49.0% |
| Participant deferral / active EE | $11,172 | $8,429+32.5% | $8,071+38.4% | $6,690+67.0% |
| Admin fee / account holder | $409 | $15,053-97.3% | $13,006-96.9% | $13,400-97.0% |