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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 | $72,465+10.2% | $67,575+18.2% | $145,884-45.2% |
| Participation rate | 81.8% | 76.9%+4.9pp | 72.9%+8.9pp | 80.3%+1.5pp |
| Annual return | 8.76% | 7222.56%-7213.8pp | 3528.98%-3520.2pp | 551.85%-543.1pp |
| Employer contribution / active EE | $5,603 | $3,074+82.3% | $2,736+104.8% | $4,662+20.2% |
| Participant deferral / active EE | $5,941 | $4,786+24.1% | $4,003+48.4% | $6,690-11.2% |
| Admin fee / account holder | $929 | $5,515-83.2% | $3,993-76.7% | $13,392-93.1% |