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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 | $36,342 | $99,011-63.3% | $86,582-58.0% | $147,586-75.4% |
| Participation rate | 100.0% | 76.3%+23.7pp | 73.5%+26.5pp | 82.8%+17.2pp |
| Annual return | 8.01% | 1312.75%-1304.7pp | 965.08%-957.1pp | 578.59%-570.6pp |
| Employer contribution / active EE | $6,212 | $3,132+98.3% | $2,839+118.8% | $4,876+27.4% |
| Participant deferral / active EE | $2,470 | $3,972-37.8% | $3,609-31.6% | $5,439-54.6% |
| Admin fee / account holder | $800 | $5,709-86.0% | $4,904-83.7% | $10,886-92.7% |