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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 | $90,614+7.3% | $76,089+27.8% | $145,877-33.4% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 7.97% | 623.80%-615.8pp | 360.94%-353.0pp | 551.28%-543.3pp |
| Employer contribution / active EE | $2,526 | $3,324-24.0% | $2,690-6.1% | $4,663-45.8% |
| Participant deferral / active EE | $8,378 | $5,168+62.1% | $4,259+96.7% | $6,691+25.2% |
| Admin fee / account holder | $2,652 | $8,376-68.3% | $6,418-58.7% | $13,402-80.2% |