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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 | $38,607 | $150,447-74.3% | $136,298-71.7% | $147,586-73.8% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 10.23% | 1049.15%-1038.9pp | 5156.27%-5146.0pp | 578.59%-568.4pp |
| Employer contribution / active EE | $2,607 | $5,256-50.4% | $4,696-44.5% | $4,876-46.5% |
| Participant deferral / active EE | $6,237 | $6,631-5.9% | $6,247-0.2% | $5,439+14.7% |
| Admin fee / account holder | $2,981 | $10,906-72.7% | $9,244-67.7% | $10,886-72.6% |