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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 | $139,022 | $72,426+92.0% | $67,560+105.8% | $145,897-4.7% |
| Participation rate | 100.0% | 76.9%+23.1pp | 72.9%+27.1pp | 80.3%+19.7pp |
| Annual return | 5.11% | 7226.78%-7221.7pp | 3533.50%-3528.4pp | 552.29%-547.2pp |
| Employer contribution / active EE | $1,432 | $3,074-53.4% | $2,737-47.7% | $4,663-69.3% |
| Participant deferral / active EE | $13,269 | $4,785+177.3% | $4,004+231.4% | $6,689+98.4% |
| Admin fee / account holder | $1,191 | $5,514-78.4% | $3,994-70.2% | $13,390-91.1% |