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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 | $229,117 | $109,905+108.5% | $98,506+132.6% | $167,553+36.7% |
| Participation rate | 85.7% | 75.8%+9.9pp | 73.3%+12.4pp | 82.1%+3.6pp |
| Annual return | 3.05% | 1960.20%-1957.1pp | 1494.92%-1491.9pp | 478.89%-475.8pp |
| Employer contribution / active EE | $1,106 | $3,226-65.7% | $2,961-62.7% | $4,840-77.1% |
| Participant deferral / active EE | $13,405 | $4,674+186.8% | $4,277+213.4% | $6,343+111.3% |
| Admin fee / account holder | $1,250 | $6,760-81.5% | $5,955-79.0% | $12,316-89.9% |