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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 | $126,179 | $68,097+85.3% | $62,929+100.5% | $137,256-8.1% |
| Participation rate | 93.8% | 77.4%+16.3pp | 73.1%+20.6pp | 80.0%+13.8pp |
| Annual return | 10.42% | 1859.11%-1848.7pp | 1063.93%-1053.5pp | 220.34%-209.9pp |
| Employer contribution / active EE | $5,526 | $2,811+96.6% | $2,505+120.6% | $4,156+33.0% |
| Participant deferral / active EE | $5,253 | $4,553+15.4% | $3,888+35.1% | $6,407-18.0% |
| Admin fee / account holder | $993 | $6,521-84.8% | $5,065-80.4% | $12,270-91.9% |