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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 | $66,664 | $70,587-5.6% | $124,693-46.5% | $85,856-22.4% |
| Participation rate | 88.5% | 64.4%+24.0pp | 74.6%+13.8pp | 69.3%+19.1pp |
| Annual return | 4.58% | 20688.83%-20684.2pp | 5144.19%-5139.6pp | 318.58%-314.0pp |
| Employer contribution / active EE | $6,728 | $1,913+251.6% | $3,324+102.4% | $2,565+162.3% |
| Participant deferral / active EE | $7,750 | $2,969+161.1% | $4,615+67.9% | $3,952+96.1% |
| Admin fee / account holder | $587 | $5,282-88.9% | $7,494-92.2% | $6,261-90.6% |