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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 | $103,098 | $176,120-41.5% | $159,487-35.4% | $167,553-38.5% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 1.08% | 331.95%-330.9pp | 263.71%-262.6pp | 478.89%-477.8pp |
| Employer contribution / active EE | $13,214 | $5,299+149.4% | $4,831+173.5% | $4,840+173.0% |
| Participant deferral / active EE | $5,778 | $7,752-25.5% | $7,354-21.4% | $6,343-8.9% |
| Admin fee / account holder | $1,254 | $12,561-90.0% | $10,804-88.4% | $12,316-89.8% |