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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 | $195,609 | $99,017+97.6% | $86,587+125.9% | $147,585+32.5% |
| Participation rate | 100.0% | 76.3%+23.7pp | 73.5%+26.5pp | 82.8%+17.2pp |
| Annual return | 7.82% | 1312.37%-1304.6pp | 964.86%-957.0pp | 578.56%-570.7pp |
| Employer contribution / active EE | $6,964 | $3,132+122.4% | $2,839+145.3% | $4,876+42.8% |
| Participant deferral / active EE | $10,879 | $3,972+173.9% | $3,609+201.5% | $5,439+100.0% |
| Admin fee / account holder | $6,160 | $5,710+7.9% | $4,906+25.6% | $10,885-43.4% |