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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 | $86,924 | $104,544-16.9% | $76,657+13.4% | $152,897-43.1% |
| Participation rate | 100.0% | 76.6%+23.4pp | 72.1%+27.9pp | 82.5%+17.5pp |
| Annual return | 1.61% | 1014.36%-1012.8pp | 1166.74%-1165.1pp | 345.43%-343.8pp |
| Employer contribution / active EE | $9,342 | $3,118+199.6% | $2,303+305.7% | $4,764+96.1% |
| Participant deferral / active EE | $5,869 | $4,236+38.6% | $3,335+76.0% | $5,851+0.3% |
| Admin fee / account holder | $876 | $12,286-92.9% | $6,423-86.4% | $11,599-92.4% |