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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 | $206,851 | $102,595+101.6% | $94,057+119.9% | $154,746+33.7% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 7.30% | 583.42%-576.1pp | 480.62%-473.3pp | 172.34%-165.0pp |
| Employer contribution / active EE | $13,147 | $3,147+317.7% | $2,933+348.2% | $4,379+200.2% |
| Participant deferral / active EE | $6,589 | $5,118+28.7% | $4,709+39.9% | $6,730-2.1% |
| Admin fee / account holder | $6,484 | $7,736-16.2% | $7,244-10.5% | $14,365-54.9% |