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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 | $60,038 | $60,139-0.2% | $90,461-33.6% | $79,856-24.8% |
| Participation rate | 100.0% | 65.0%+35.0pp | 72.7%+27.3pp | 69.6%+30.4pp |
| Annual return | 10.21% | 71.96%-61.8pp | 1294.76%-1284.6pp | 31.71%-21.5pp |
| Employer contribution / active EE | $4,416 | $2,069+113.4% | $3,264+35.3% | $2,471+78.7% |
| Participant deferral / active EE | $1,469 | $2,939-50.0% | $3,964-62.9% | $3,741-60.7% |
| Admin fee / account holder | $5,028 | $3,978+26.4% | $5,617-10.5% | $5,306-5.3% |