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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 | $142,403 | $109,872+29.6% | $98,483+44.6% | $167,536-15.0% |
| Participation rate | 83.3% | 75.8%+7.5pp | 73.3%+10.0pp | 82.1%+1.2pp |
| Annual return | 7.98% | 1959.31%-1951.3pp | 1494.38%-1486.4pp | 478.82%-470.8pp |
| Employer contribution / active EE | $1,832 | $3,225-43.2% | $2,961-38.1% | $4,839-62.1% |
| Participant deferral / active EE | $3,247 | $4,673-30.5% | $4,276-24.1% | $6,342-48.8% |
| Admin fee / account holder | $1,218 | $6,757-82.0% | $5,953-79.5% | $12,315-90.1% |