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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 | $156,346 | $88,710+76.2% | $81,783+91.2% | $145,959+7.1% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 7.50% | 1027.26%-1019.8pp | 775.05%-767.6pp | 561.95%-554.4pp |
| Employer contribution / active EE | $4,185 | $3,083+35.7% | $2,913+43.7% | $4,661-10.2% |
| Participant deferral / active EE | $6,808 | $4,645+46.6% | $4,320+57.6% | $6,689+1.8% |
| Admin fee / account holder | $7,898 | $8,407-6.1% | $7,380+7.0% | $13,398-41.0% |