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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 | $238,541 | $108,897+119.1% | $100,378+137.6% | $145,877+63.5% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 6.17% | 58.17%-52.0pp | 49.41%-43.2pp | 551.28%-545.1pp |
| Employer contribution / active EE | $15,513 | $4,420+251.0% | $3,942+293.5% | $4,663+232.7% |
| Participant deferral / active EE | $38,928 | $8,455+360.4% | $8,087+381.4% | $6,691+481.8% |
| Admin fee / account holder | $353 | $9,690-96.4% | $7,899-95.5% | $13,402-97.4% |