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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 | $43,324 | $99,031-56.3% | $86,597-50.0% | $147,585-70.6% |
| Participation rate | 100.0% | 76.3%+23.7pp | 73.5%+26.5pp | 82.8%+17.2pp |
| Annual return | 6.89% | 1312.56%-1305.7pp | 964.96%-958.1pp | 578.57%-571.7pp |
| Employer contribution / active EE | $9,739 | $3,132+210.9% | $2,840+243.0% | $4,876+99.7% |
| Participant deferral / active EE | $5,028 | $3,972+26.6% | $3,609+39.3% | $5,439-7.6% |
| Admin fee / account holder | $367 | $5,711-93.6% | $4,906-92.5% | $10,885-96.6% |