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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 | $96,463 | $90,530+6.6% | $76,030+26.9% | $145,897-33.9% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.1%+30.9pp | 80.3%+19.7pp |
| Annual return | 7.22% | 625.08%-617.9pp | 361.54%-354.3pp | 552.29%-545.1pp |
| Employer contribution / active EE | $2,511 | $3,319-24.4% | $2,688-6.6% | $4,663-46.1% |
| Participant deferral / active EE | $3,437 | $5,164-33.5% | $4,257-19.3% | $6,689-48.6% |
| Admin fee / account holder | $6,174 | $8,383-26.4% | $6,421-3.8% | $13,390-53.9% |