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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 | $59,931 | $88,815-32.5% | $81,882-26.8% | $145,897-58.9% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 9.43% | 1033.75%-1024.3pp | 779.47%-770.0pp | 552.29%-542.9pp |
| Employer contribution / active EE | $4,407 | $3,086+42.8% | $2,916+51.1% | $4,663-5.5% |
| Participant deferral / active EE | $3,491 | $4,647-24.9% | $4,323-19.3% | $6,689-47.8% |
| Admin fee / account holder | $1,632 | $8,434-80.7% | $7,360-77.8% | $13,390-87.8% |