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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 | $81,995 | $88,815-7.7% | $81,882+0.1% | $145,897-43.8% |
| Participation rate | 87.5% | 75.1%+12.4pp | 72.4%+15.1pp | 80.3%+7.2pp |
| Annual return | 3.81% | 1033.75%-1029.9pp | 779.47%-775.7pp | 552.29%-548.5pp |
| Employer contribution / active EE | $16,376 | $3,086+430.6% | $2,916+461.6% | $4,663+251.2% |
| Participant deferral / active EE | $11,218 | $4,647+141.4% | $4,323+159.5% | $6,689+67.7% |
| Admin fee / account holder | $586 | $8,434-93.1% | $7,360-92.0% | $13,390-95.6% |