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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 | $70,761 | $70,587+0.2% | $124,694-43.3% | $85,851-17.6% |
| Participation rate | 100.0% | 64.4%+35.6pp | 74.6%+25.4pp | 69.3%+30.7pp |
| Annual return | 0.42% | 20688.83%-20688.4pp | 5144.82%-5144.4pp | 318.63%-318.2pp |
| Employer contribution / active EE | $2,131 | $1,913+11.4% | $3,325-35.9% | $2,565-16.9% |
| Participant deferral / active EE | $4,603 | $2,969+55.0% | $4,615-0.3% | $3,952+16.5% |
| Admin fee / account holder | $1,814 | $5,282-65.7% | $7,495-75.8% | $6,261-71.0% |