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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 | $87,122 | $99,011-12.0% | $86,582+0.6% | $147,586-41.0% |
| Participation rate | 100.0% | 76.3%+23.7pp | 73.5%+26.5pp | 82.8%+17.2pp |
| Annual return | 7.30% | 1312.75%-1305.4pp | 965.08%-957.8pp | 578.59%-571.3pp |
| Employer contribution / active EE | $2,894 | $3,132-7.6% | $2,839+1.9% | $4,876-40.6% |
| Participant deferral / active EE | $7,026 | $3,972+76.9% | $3,609+94.7% | $5,439+29.2% |
| Admin fee / account holder | $877 | $5,709-84.6% | $4,904-82.1% | $10,886-91.9% |