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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 | $89,256 | $96,691-7.7% | $86,656+3.0% | $139,487-36.0% |
| Participation rate | 83.3% | 74.4%+8.9pp | 71.7%+11.6pp | 80.3%+3.0pp |
| Annual return | 8.99% | 106.87%-97.9pp | 593.09%-584.1pp | 373.84%-364.9pp |
| Employer contribution / active EE | $2,823 | $3,267-13.6% | $3,025-6.7% | $4,755-40.6% |
| Participant deferral / active EE | $10,997 | $4,838+127.3% | $4,439+147.7% | $6,713+63.8% |
| Admin fee / account holder | $1,589 | $6,414-75.2% | $5,619-71.7% | $11,407-86.1% |