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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 | $97,224 | $90,530+7.4% | $76,030+27.9% | $145,897-33.4% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 7.97% | 625.08%-617.1pp | 361.54%-353.6pp | 552.29%-544.3pp |
| Employer contribution / active EE | $2,526 | $3,319-23.9% | $2,688-6.0% | $4,663-45.8% |
| Participant deferral / active EE | $8,378 | $5,164+62.2% | $4,257+96.8% | $6,689+25.2% |
| Admin fee / account holder | $2,652 | $8,383-68.4% | $6,421-58.7% | $13,390-80.2% |