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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 | $60,755 | $159,934-62.0% | $147,005-58.7% | $145,959-58.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 7.99% | 98.24%-90.3pp | 418.76%-410.8pp | 561.95%-554.0pp |
| Employer contribution / active EE | $6,835 | $5,287+29.3% | $4,934+38.5% | $4,661+46.6% |
| Participant deferral / active EE | $8,014 | $8,427-4.9% | $8,070-0.7% | $6,689+19.8% |
| Admin fee / account holder | $755 | $15,053-95.0% | $13,006-94.2% | $13,398-94.4% |