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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 | $88,778-16.7% | $81,844-9.6% | $145,884-49.3% |
| Participation rate | 94.4% | 75.1%+19.4pp | 72.4%+22.1pp | 80.3%+14.1pp |
| Annual return | 8.08% | 1033.03%-1024.9pp | 778.87%-770.8pp | 551.85%-543.8pp |
| Employer contribution / active EE | $5,280 | $3,087+71.0% | $2,916+81.0% | $4,662+13.2% |
| Participant deferral / active EE | $7,934 | $4,648+70.7% | $4,323+83.5% | $6,690+18.6% |
| Admin fee / account holder | $4,500 | $8,430-46.6% | $7,355-38.8% | $13,392-66.4% |