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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 | $115,191 | $202,326-43.1% | $172,745-33.3% | $152,870-24.6% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.4%+17.6pp |
| Annual return | 11.91% | 1029.72%-1017.8pp | 802.90%-791.0pp | 345.34%-333.4pp |
| Employer contribution / active EE | $8,099 | $5,858+38.3% | $5,144+57.4% | $4,763+70.0% |
| Participant deferral / active EE | $6,690 | $5,948+12.5% | $5,197+28.7% | $5,850+14.4% |
| Admin fee / account holder | $1,605 | $17,110-90.6% | $13,954-88.5% | $11,597-86.2% |