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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 | $97,679 | $160,040-39.0% | $147,096-33.6% | $145,877-33.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 2.47% | 98.49%-96.0pp | 419.75%-417.3pp | 551.28%-548.8pp |
| Employer contribution / active EE | $5,116 | $5,289-3.3% | $4,936+3.6% | $4,663+9.7% |
| Participant deferral / active EE | $6,112 | $8,429-27.5% | $8,071-24.3% | $6,691-8.7% |
| Admin fee / account holder | $4,283 | $15,050-71.5% | $13,005-67.1% | $13,402-68.0% |