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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 | $71,846 | $124,175-42.1% | $108,405-33.7% | $167,536-57.1% |
| Participation rate | 81.3% | 82.3%-1.0pp | 80.1%+1.1pp | 82.1%-0.9pp |
| Annual return | 5.41% | 1380.13%-1374.7pp | 905.55%-900.1pp | 478.82%-473.4pp |
| Employer contribution / active EE | $7,813 | $4,188+86.6% | $3,559+119.5% | $4,839+61.4% |
| Participant deferral / active EE | $2,805 | $6,908-59.4% | $6,563-57.3% | $6,342-55.8% |
| Admin fee / account holder | $889 | $9,457-90.6% | $7,297-87.8% | $12,315-92.8% |