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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 | $44,499 | $124,175-64.2% | $108,405-59.0% | $167,553-73.4% |
| Participation rate | 100.0% | 82.3%+17.7pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 4.49% | 1380.13%-1375.6pp | 905.55%-901.1pp | 478.89%-474.4pp |
| Employer contribution / active EE | $15,666 | $4,188+274.1% | $3,559+340.2% | $4,840+223.7% |
| Participant deferral / active EE | $7,939 | $6,908+14.9% | $6,563+21.0% | $6,343+25.2% |
| Admin fee / account holder | $553 | $9,457-94.2% | $7,297-92.4% | $12,316-95.5% |