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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 | $103,394 | $165,399-37.5% | $149,745-31.0% | $158,982-35.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | -0.02% | 348.34%-348.4pp | 276.72%-276.7pp | 302.99%-303.0pp |
| Employer contribution / active EE | $8,415 | $5,105+64.8% | $4,646+81.1% | $4,763+76.7% |
| Participant deferral / active EE | $12,734 | $7,183+77.3% | $6,843+86.1% | $5,983+112.8% |
| Admin fee / account holder | $1,499 | $10,811-86.1% | $9,312-83.9% | $11,252-86.7% |