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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 | $54,577 | $202,342-73.0% | $172,752-68.4% | $152,897-64.3% |
| Participation rate | 93.8% | 87.1%+6.7pp | 82.6%+11.1pp | 82.5%+11.3pp |
| Annual return | 6.04% | 1029.83%-1023.8pp | 802.97%-796.9pp | 345.43%-339.4pp |
| Employer contribution / active EE | $7,468 | $5,858+27.5% | $5,144+45.2% | $4,764+56.8% |
| Participant deferral / active EE | $4,185 | $5,948-29.6% | $5,198-19.5% | $5,851-28.5% |
| Admin fee / account holder | $4,712 | $17,111-72.5% | $13,955-66.2% | $11,599-59.4% |