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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 | $60,209 | $88,710-32.1% | $81,783-26.4% | $145,959-58.7% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 9.21% | 1027.26%-1018.1pp | 775.05%-765.8pp | 561.95%-552.7pp |
| Employer contribution / active EE | $12,908 | $3,083+318.7% | $2,913+343.2% | $4,661+177.0% |
| Participant deferral / active EE | $8,646 | $4,645+86.1% | $4,320+100.1% | $6,689+29.3% |
| Admin fee / account holder | $1,870 | $8,407-77.8% | $7,380-74.7% | $13,398-86.0% |