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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 | $156,074 | $202,342-22.9% | $172,753-9.7% | $152,909+2.1% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 10.14% | 1029.88%-1019.7pp | 803.00%-792.9pp | 345.46%-335.3pp |
| Employer contribution / active EE | $8,800 | $5,857+50.2% | $5,144+71.1% | $4,764+84.7% |
| Participant deferral / active EE | $6,968 | $5,948+17.1% | $5,198+34.1% | $5,851+19.1% |
| Admin fee / account holder | $1,004 | $17,112-94.1% | $13,956-92.8% | $11,601-91.3% |