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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 | $218,178 | $100,911+116.2% | $90,440+141.2% | $158,966+37.2% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.7%+27.3pp | 82.0%+18.0pp |
| Annual return | 5.66% | 1726.62%-1721.0pp | 1294.38%-1288.7pp | 302.95%-297.3pp |
| Employer contribution / active EE | $1,932 | $3,690-47.7% | $3,263-40.8% | $4,762-59.4% |
| Participant deferral / active EE | $5,021 | $4,348+15.5% | $3,964+26.7% | $5,983-16.1% |
| Admin fee / account holder | $3,440 | $6,507-47.1% | $5,615-38.7% | $11,250-69.4% |