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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 | $92,632 | $88,778+4.3% | $81,844+13.2% | $145,884-36.5% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 7.70% | 1033.03%-1025.3pp | 778.87%-771.2pp | 551.85%-544.1pp |
| Employer contribution / active EE | $19,696 | $3,087+538.0% | $2,916+575.4% | $4,662+322.5% |
| Participant deferral / active EE | $10,116 | $4,648+117.6% | $4,323+134.0% | $6,690+51.2% |
| Admin fee / account holder | $5,997 | $8,430-28.9% | $7,355-18.5% | $13,392-55.2% |