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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 | $114,449 | $109,872+4.2% | $98,483+16.2% | $167,536-31.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 3.37% | 1959.31%-1955.9pp | 1494.38%-1491.0pp | 478.82%-475.5pp |
| Employer contribution / active EE | $9,046 | $3,225+180.5% | $2,961+205.5% | $4,839+86.9% |
| Participant deferral / active EE | $6,604 | $4,673+41.3% | $4,276+54.4% | $6,342+4.1% |
| Admin fee / account holder | $3,183 | $6,757-52.9% | $5,953-46.5% | $12,315-74.2% |