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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 | $45,438 | $226,105-79.9% | $182,540-75.1% | $152,897-70.3% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 3.59% | 192.58%-189.0pp | 148.58%-145.0pp | 345.43%-341.8pp |
| Employer contribution / active EE | $10,246 | $4,978+105.8% | $4,076+151.4% | $4,764+115.1% |
| Participant deferral / active EE | $6,292 | $6,370-1.2% | $5,525+13.9% | $5,851+7.5% |
| Admin fee / account holder | $389 | $10,706-96.4% | $8,593-95.5% | $11,599-96.6% |