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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 | $81,201 | $209,428-61.2% | $178,498-54.5% | $158,950-48.9% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 3.82% | 188.78%-185.0pp | 151.09%-147.3pp | 302.91%-299.1pp |
| Employer contribution / active EE | $9,819 | $5,707+72.0% | $5,011+95.9% | $4,762+106.2% |
| Participant deferral / active EE | $4,922 | $5,955-17.3% | $5,202-5.4% | $5,983-17.7% |
| Admin fee / account holder | $866 | $17,077-94.9% | $13,985-93.8% | $11,248-92.3% |