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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 | $81,216 | $88,754-8.5% | $81,820-0.7% | $145,877-44.3% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 7.30% | 1031.77%-1024.5pp | 777.93%-770.6pp | 551.28%-544.0pp |
| Employer contribution / active EE | $13,205 | $3,085+328.0% | $2,915+353.0% | $4,663+183.2% |
| Participant deferral / active EE | $5,687 | $4,648+22.4% | $4,323+31.6% | $6,691-15.0% |
| Admin fee / account holder | $95,692 | $8,424+1036.0% | $7,391+1194.8% | $13,402+614.0% |