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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 | $70,095 | $202,345-65.4% | $172,755-59.4% | $152,885-54.2% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 0.92% | 1029.77%-1028.9pp | 802.94%-802.0pp | 345.39%-344.5pp |
| Employer contribution / active EE | $2,978 | $5,858-49.2% | $5,144-42.1% | $4,763-37.5% |
| Participant deferral / active EE | $3,034 | $5,948-49.0% | $5,198-41.6% | $5,851-48.1% |
| Admin fee / account holder | $1,119 | $17,111-93.5% | $13,955-92.0% | $11,598-90.4% |