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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 | $87,346 | $150,447-41.9% | $136,298-35.9% | $147,586-40.8% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 8.10% | 1049.15%-1041.1pp | 5156.27%-5148.2pp | 578.59%-570.5pp |
| Employer contribution / active EE | $2,409 | $5,256-54.2% | $4,696-48.7% | $4,876-50.6% |
| Participant deferral / active EE | $7,301 | $6,631+10.1% | $6,247+16.9% | $5,439+34.2% |
| Admin fee / account holder | $2,660 | $10,906-75.6% | $9,244-71.2% | $10,886-75.6% |