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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 | $83,644 | $202,326-58.7% | $172,745-51.6% | $152,870-45.3% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.4%+17.6pp |
| Annual return | 3.87% | 1029.72%-1025.9pp | 802.90%-799.0pp | 345.34%-341.5pp |
| Employer contribution / active EE | $7,476 | $5,858+27.6% | $5,144+45.3% | $4,763+57.0% |
| Participant deferral / active EE | $4,425 | $5,948-25.6% | $5,197-14.9% | $5,850-24.4% |
| Admin fee / account holder | $11,832 | $17,110-30.8% | $13,954-15.2% | $11,597+2.0% |