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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 | $234,459 | $109,872+113.4% | $98,483+138.1% | $167,536+39.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 73.3%+26.7pp | 82.1%+17.9pp |
| Annual return | 8.52% | 1959.31%-1950.8pp | 1494.38%-1485.9pp | 478.82%-470.3pp |
| Employer contribution / active EE | $1,796 | $3,225-44.3% | $2,961-39.3% | $4,839-62.9% |
| Participant deferral / active EE | $6,532 | $4,673+39.8% | $4,276+52.8% | $6,342+3.0% |
| Admin fee / account holder | $7,396 | $6,757+9.4% | $5,953+24.2% | $12,315-39.9% |