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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 | $99,228 | $57,305+73.2% | $86,640+14.5% | $75,173+32.0% |
| Participation rate | 85.7% | 63.2%+22.5pp | 71.7%+14.0pp | 67.2%+18.5pp |
| Annual return | 11.12% | 2674.24%-2663.1pp | 592.52%-581.4pp | 160.72%-149.6pp |
| Employer contribution / active EE | $2,851 | $2,316+23.1% | $3,024-5.7% | $2,671+6.7% |
| Participant deferral / active EE | $4,668 | $3,320+40.6% | $4,438+5.2% | $4,126+13.1% |
| Admin fee / account holder | $11,477 | $4,116+178.8% | $5,616+104.4% | $5,651+103.1% |