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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 | $79,873 | $72,403+10.3% | $67,524+18.3% | $145,978-45.3% |
| Participation rate | 81.8% | 76.9%+4.9pp | 72.9%+8.9pp | 80.3%+1.5pp |
| Annual return | 8.76% | 7197.23%-7188.5pp | 3519.41%-3510.7pp | 550.52%-541.8pp |
| Employer contribution / active EE | $5,603 | $3,072+82.4% | $2,734+104.9% | $4,662+20.2% |
| Participant deferral / active EE | $5,941 | $4,782+24.2% | $4,001+48.5% | $6,690-11.2% |
| Admin fee / account holder | $929 | $5,541-83.2% | $4,001-76.8% | $13,400-93.1% |