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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 | $63,384 | $185,883-65.9% | $170,043-62.7% | $139,466-54.6% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 1.35% | 60.54%-59.2pp | 53.40%-52.0pp | 373.66%-372.3pp |
| Employer contribution / active EE | $10,654 | $7,596+40.3% | $6,790+56.9% | $4,754+124.1% |
| Participant deferral / active EE | $6,313 | $11,626-45.7% | $10,410-39.4% | $6,712-5.9% |
| Admin fee / account holder | $540 | $15,393-96.5% | $12,824-95.8% | $11,409-95.3% |