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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 | $126,382 | $70,587+79.0% | $124,693+1.4% | $85,847+47.2% |
| Participation rate | 88.9% | 64.4%+24.5pp | 74.6%+14.3pp | 69.3%+19.6pp |
| Annual return | 9.15% | 20688.83%-20679.7pp | 5144.19%-5135.0pp | 318.61%-309.5pp |
| Employer contribution / active EE | $3,665 | $1,913+91.6% | $3,324+10.3% | $2,565+42.9% |
| Participant deferral / active EE | $5,540 | $2,969+86.6% | $4,615+20.0% | $3,952+40.2% |
| Admin fee / account holder | $1,619 | $5,282-69.4% | $7,494-78.4% | $6,261-74.1% |