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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 | $163,910 | $202,345-19.0% | $172,755-5.1% | $152,885+7.2% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 2.55% | 1029.77%-1027.2pp | 802.94%-800.4pp | 345.39%-342.8pp |
| Employer contribution / active EE | $13,285 | $5,858+126.8% | $5,144+158.3% | $4,763+178.9% |
| Participant deferral / active EE | $8,125 | $5,948+36.6% | $5,198+56.3% | $5,851+38.9% |
| Admin fee / account holder | $710 | $17,111-95.8% | $13,955-94.9% | $11,598-93.9% |