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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 | $32,913 | $169,237-80.6% | $129,339-74.6% | $145,978-77.5% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.6%+30.4pp | 80.3%+19.7pp |
| Annual return | 5.27% | 14364.43%-14359.2pp | 9437.05%-9431.8pp | 550.52%-545.2pp |
| Employer contribution / active EE | $7,739 | $5,540+39.7% | $4,154+86.3% | $4,662+66.0% |
| Participant deferral / active EE | $5,944 | $4,991+19.1% | $4,170+42.6% | $6,690-11.1% |
| Admin fee / account holder | $494 | $9,882-95.0% | $7,668-93.6% | $13,400-96.3% |