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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 | $98,862 | $183,539-46.1% | $155,556-36.4% | $145,897-32.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 0.66% | 61.31%-60.6pp | 64.84%-64.2pp | 552.29%-551.6pp |
| Employer contribution / active EE | $12,609 | $5,315+137.2% | $4,675+169.7% | $4,663+170.4% |
| Participant deferral / active EE | $6,100 | $6,467-5.7% | $5,631+8.3% | $6,689-8.8% |
| Admin fee / account holder | $5,904 | $19,275-69.4% | $15,885-62.8% | $13,390-55.9% |