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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 | $63,933 | $159,978-60.0% | $147,041-56.5% | $145,978-56.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.08% | 98.36%-89.3pp | 419.21%-410.1pp | 550.52%-541.4pp |
| Employer contribution / active EE | $8,047 | $5,288+52.2% | $4,935+63.1% | $4,662+72.6% |
| Participant deferral / active EE | $7,245 | $8,429-14.0% | $8,071-10.2% | $6,690+8.3% |
| Admin fee / account holder | $673 | $15,053-95.5% | $13,006-94.8% | $13,400-95.0% |