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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 | $179,287 | $209,888-14.6% | $189,545-5.4% | $167,553+7.0% |
| Participation rate | 100.0% | 88.7%+11.3pp | 87.8%+12.2pp | 82.1%+17.9pp |
| Annual return | 6.20% | 748.66%-742.5pp | 555.36%-549.2pp | 478.89%-472.7pp |
| Employer contribution / active EE | $17,833 | $6,915+157.9% | $6,162+189.4% | $4,840+268.5% |
| Participant deferral / active EE | $11,425 | $8,934+27.9% | $8,220+39.0% | $6,343+80.1% |
| Admin fee / account holder | $760 | $14,300-94.7% | $12,049-93.7% | $12,316-93.8% |