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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 | $55,304 | $176,105-68.6% | $159,474-65.3% | $167,536-67.0% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 5.81% | 331.91%-326.1pp | 263.68%-257.9pp | 478.82%-473.0pp |
| Employer contribution / active EE | $12,883 | $5,299+143.1% | $4,831+166.7% | $4,839+166.2% |
| Participant deferral / active EE | $10,288 | $7,751+32.7% | $7,353+39.9% | $6,342+62.2% |
| Admin fee / account holder | $878 | $12,559-93.0% | $10,802-91.9% | $12,315-92.9% |