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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 | $139,692 | $176,120-20.7% | $159,487-12.4% | $167,553-16.6% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 6.20% | 331.95%-325.7pp | 263.71%-257.5pp | 478.89%-472.7pp |
| Employer contribution / active EE | $12,364 | $5,299+133.3% | $4,831+155.9% | $4,840+155.5% |
| Participant deferral / active EE | $2,580 | $7,752-66.7% | $7,354-64.9% | $6,343-59.3% |
| Admin fee / account holder | $5,791 | $12,561-53.9% | $10,804-46.4% | $12,316-53.0% |