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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 | $82,646 | $60,139+37.4% | $90,461-8.6% | $79,856+3.5% |
| Participation rate | 93.8% | 65.0%+28.8pp | 72.7%+21.1pp | 69.6%+24.1pp |
| Annual return | 3.33% | 71.96%-68.6pp | 1294.76%-1291.4pp | 31.71%-28.4pp |
| Employer contribution / active EE | $1,750 | $2,069-15.4% | $3,264-46.4% | $2,471-29.2% |
| Participant deferral / active EE | $4,835 | $2,939+64.5% | $3,964+22.0% | $3,741+29.3% |
| Admin fee / account holder | $23,840 | $3,978+499.3% | $5,617+324.4% | $5,306+349.3% |