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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 | $59,637 | $88,778-32.8% | $81,844-27.1% | $145,884-59.1% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 8.41% | 1033.03%-1024.6pp | 778.87%-770.5pp | 551.85%-543.4pp |
| Employer contribution / active EE | $5,408 | $3,087+75.2% | $2,916+85.4% | $4,662+16.0% |
| Participant deferral / active EE | $4,110 | $4,648-11.6% | $4,323-4.9% | $6,690-38.6% |
| Admin fee / account holder | $2,353 | $8,430-72.1% | $7,355-68.0% | $13,392-82.4% |