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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 | $42,267 | $165,399-74.4% | $149,745-71.8% | $158,982-73.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 6.51% | 348.34%-341.8pp | 276.72%-270.2pp | 302.99%-296.5pp |
| Employer contribution / active EE | $14,320 | $5,105+180.5% | $4,646+208.2% | $4,763+200.7% |
| Participant deferral / active EE | $28,100 | $7,183+291.2% | $6,843+310.6% | $5,983+369.6% |
| Admin fee / account holder | $13,779 | $10,811+27.4% | $9,312+48.0% | $11,252+22.5% |