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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 | $73,974 | $88,815-16.7% | $81,882-9.7% | $145,897-49.3% |
| Participation rate | 94.4% | 75.1%+19.4pp | 72.4%+22.1pp | 80.3%+14.1pp |
| Annual return | 8.08% | 1033.75%-1025.7pp | 779.47%-771.4pp | 552.29%-544.2pp |
| Employer contribution / active EE | $5,280 | $3,086+71.1% | $2,916+81.1% | $4,663+13.2% |
| Participant deferral / active EE | $7,934 | $4,647+70.7% | $4,323+83.5% | $6,689+18.6% |
| Admin fee / account holder | $4,500 | $8,434-46.6% | $7,360-38.9% | $13,390-66.4% |