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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 | $171,090 | $226,135-24.3% | $182,558-6.3% | $152,909+11.9% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 1.08% | 192.60%-191.5pp | 148.59%-147.5pp | 345.46%-344.4pp |
| Employer contribution / active EE | $10,762 | $4,979+116.1% | $4,076+164.0% | $4,764+125.9% |
| Participant deferral / active EE | $6,173 | $6,371-3.1% | $5,526+11.7% | $5,851+5.5% |
| Admin fee / account holder | $2,611 | $10,707-75.6% | $8,594-69.6% | $11,601-77.5% |