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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 | $190,874 | $202,342-5.7% | $172,753+10.5% | $152,909+24.8% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 0.19% | 1029.88%-1029.7pp | 803.00%-802.8pp | 345.46%-345.3pp |
| Employer contribution / active EE | $2,371 | $5,857-59.5% | $5,144-53.9% | $4,764-50.2% |
| Participant deferral / active EE | $3,050 | $5,948-48.7% | $5,198-41.3% | $5,851-47.9% |
| Admin fee / account holder | $7,691 | $17,112-55.1% | $13,956-44.9% | $11,601-33.7% |