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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 | $104,425 | $102,595+1.8% | $94,057+11.0% | $154,746-32.5% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 8.99% | 583.42%-574.4pp | 480.62%-471.6pp | 172.34%-163.4pp |
| Employer contribution / active EE | $1,112 | $3,147-64.7% | $2,933-62.1% | $4,379-74.6% |
| Participant deferral / active EE | $6,509 | $5,118+27.2% | $4,709+38.2% | $6,730-3.3% |
| Admin fee / account holder | $2,207 | $7,736-71.5% | $7,244-69.5% | $14,365-84.6% |