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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 | $74,551 | $171,867-56.6% | $149,721-50.2% | $147,586-49.5% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 9.07% | 2113.36%-2104.3pp | 1501.67%-1492.6pp | 578.59%-569.5pp |
| Employer contribution / active EE | $4,476 | $6,275-28.7% | $5,444-17.8% | $4,876-8.2% |
| Participant deferral / active EE | $14,287 | $7,270+96.5% | $6,568+117.5% | $5,439+162.7% |
| Admin fee / account holder | $551 | $13,799-96.0% | $11,282-95.1% | $10,886-94.9% |