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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 | $57,691 | $202,342-71.5% | $172,753-66.6% | $152,909-62.3% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 3.94% | 1029.88%-1025.9pp | 803.00%-799.1pp | 345.46%-341.5pp |
| Employer contribution / active EE | $1,997 | $5,857-65.9% | $5,144-61.2% | $4,764-58.1% |
| Participant deferral / active EE | $4,202 | $5,948-29.4% | $5,198-19.2% | $5,851-28.2% |
| Admin fee / account holder | $1,321 | $17,112-92.3% | $13,956-90.5% | $11,601-88.6% |