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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 | $113,496 | $88,778+27.8% | $81,844+38.7% | $145,884-22.2% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 9.40% | 1033.03%-1023.6pp | 778.87%-769.5pp | 551.85%-542.5pp |
| Employer contribution / active EE | $4,687 | $3,087+51.8% | $2,916+60.7% | $4,662+0.5% |
| Participant deferral / active EE | $8,708 | $4,648+87.3% | $4,323+101.4% | $6,690+30.2% |
| Admin fee / account holder | $1,977 | $8,430-76.5% | $7,355-73.1% | $13,392-85.2% |