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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 | $95,668 | $171,867-44.3% | $149,721-36.1% | $147,586-35.2% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 8.03% | 2113.36%-2105.3pp | 1501.67%-1493.6pp | 578.59%-570.6pp |
| Employer contribution / active EE | $5,692 | $6,275-9.3% | $5,444+4.6% | $4,876+16.7% |
| Participant deferral / active EE | $4,312 | $7,270-40.7% | $6,568-34.4% | $5,439-20.7% |
| Admin fee / account holder | $23,392 | $13,799+69.5% | $11,282+107.3% | $10,886+114.9% |