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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 | $64,073 | $176,120-63.6% | $159,487-59.8% | $167,553-61.8% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 4.78% | 331.95%-327.2pp | 263.71%-258.9pp | 478.89%-474.1pp |
| Employer contribution / active EE | $2,758 | $5,299-48.0% | $4,831-42.9% | $4,840-43.0% |
| Participant deferral / active EE | $3,714 | $7,752-52.1% | $7,354-49.5% | $6,343-41.4% |
| Admin fee / account holder | $2,704 | $12,561-78.5% | $10,804-75.0% | $12,316-78.0% |