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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 | $112,348 | $70,366+59.7% | $66,674+68.5% | $138,895-19.1% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 8.54% | 386.41%-377.9pp | 321.24%-312.7pp | 145.39%-136.9pp |
| Employer contribution / active EE | $4,981 | $2,765+80.1% | $2,620+90.1% | $4,194+18.8% |
| Participant deferral / active EE | $11,818 | $4,374+170.2% | $4,084+189.4% | $6,396+84.8% |
| Admin fee / account holder | $2,848 | $5,262-45.9% | $5,098-44.1% | $12,562-77.3% |