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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 | $69,326 | $104,520-33.7% | $76,823-9.8% | $152,885-54.7% |
| Participation rate | 100.0% | 76.6%+23.4pp | 72.1%+27.9pp | 82.5%+17.5pp |
| Annual return | 3.96% | 1014.03%-1010.1pp | 1166.42%-1162.5pp | 345.39%-341.4pp |
| Employer contribution / active EE | $1,818 | $3,117-41.7% | $2,302-21.0% | $4,763-61.8% |
| Participant deferral / active EE | $6,663 | $4,236+57.3% | $3,336+99.7% | $5,851+13.9% |
| Admin fee / account holder | $2,026 | $12,283-83.5% | $6,422-68.4% | $11,598-82.5% |