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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 | $126,802 | $209,422-39.5% | $178,503-29.0% | $158,982-20.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 2.45% | 188.81%-186.4pp | 151.12%-148.7pp | 302.99%-300.5pp |
| Employer contribution / active EE | $13,077 | $5,707+129.1% | $5,011+161.0% | $4,763+174.6% |
| Participant deferral / active EE | $7,395 | $5,955+24.2% | $5,202+42.2% | $5,983+23.6% |
| Admin fee / account holder | $56,449 | $17,079+230.5% | $13,987+303.6% | $11,252+401.7% |