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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 | $73,957 | $198,461-62.7% | $170,436-56.6% | $147,585-49.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 8.08% | 257.30%-249.2pp | 205.94%-197.9pp | 578.57%-570.5pp |
| Employer contribution / active EE | $14,599 | $6,184+136.1% | $5,433+168.7% | $4,876+199.4% |
| Participant deferral / active EE | $7,427 | $5,629+31.9% | $4,939+50.4% | $5,439+36.6% |
| Admin fee / account holder | $805 | $16,852-95.2% | $13,880-94.2% | $10,885-92.6% |