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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 | $84,914 | $88,754-4.3% | $81,820+3.8% | $145,877-41.8% |
| Participation rate | 91.7% | 75.1%+16.6pp | 72.4%+19.3pp | 80.3%+11.4pp |
| Annual return | 8.46% | 1031.77%-1023.3pp | 777.93%-769.5pp | 551.28%-542.8pp |
| Employer contribution / active EE | $4,210 | $3,085+36.4% | $2,915+44.4% | $4,663-9.7% |
| Participant deferral / active EE | $6,504 | $4,648+39.9% | $4,323+50.5% | $6,691-2.8% |
| Admin fee / account holder | $11,499 | $8,424+36.5% | $7,391+55.6% | $13,402-14.2% |