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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 | $248,036 | $109,872+125.7% | $98,483+151.9% | $167,536+48.0% |
| Participation rate | 88.9% | 75.8%+13.1pp | 73.3%+15.5pp | 82.1%+6.8pp |
| Annual return | 6.68% | 1959.31%-1952.6pp | 1494.38%-1487.7pp | 478.82%-472.1pp |
| Employer contribution / active EE | $8,186 | $3,225+153.8% | $2,961+176.5% | $4,839+69.2% |
| Participant deferral / active EE | $11,583 | $4,673+147.9% | $4,276+170.9% | $6,342+82.6% |
| Admin fee / account holder | $2,124 | $6,757-68.6% | $5,953-64.3% | $12,315-82.8% |