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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 | $224,752 | $96,691+132.4% | $86,656+159.4% | $139,487+61.1% |
| Participation rate | 100.0% | 74.4%+25.6pp | 71.7%+28.3pp | 80.3%+19.7pp |
| Annual return | 8.36% | 106.87%-98.5pp | 593.09%-584.7pp | 373.84%-365.5pp |
| Employer contribution / active EE | $11,038 | $3,267+237.9% | $3,025+264.8% | $4,755+132.2% |
| Participant deferral / active EE | $18,512 | $4,838+282.7% | $4,439+317.0% | $6,713+175.8% |
| Admin fee / account holder | $1,630 | $6,414-74.6% | $5,619-71.0% | $11,407-85.7% |