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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 | $202,342-43.1% | $172,753-33.3% | $152,909-24.7% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 11.91% | 1029.88%-1018.0pp | 803.00%-791.1pp | 345.46%-333.6pp |
| Employer contribution / active EE | $8,099 | $5,857+38.3% | $5,144+57.4% | $4,764+70.0% |
| Participant deferral / active EE | $6,690 | $5,948+12.5% | $5,198+28.7% | $5,851+14.3% |
| Admin fee / account holder | $1,605 | $17,112-90.6% | $13,956-88.5% | $11,601-86.2% |