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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 | $96,958 | $88,815+9.2% | $81,882+18.4% | $145,897-33.5% |
| Participation rate | 88.9% | 75.1%+13.8pp | 72.4%+16.5pp | 80.3%+8.6pp |
| Annual return | 8.32% | 1033.75%-1025.4pp | 779.47%-771.2pp | 552.29%-544.0pp |
| Employer contribution / active EE | $2,154 | $3,086-30.2% | $2,916-26.1% | $4,663-53.8% |
| Participant deferral / active EE | $7,739 | $4,647+66.5% | $4,323+79.0% | $6,689+15.7% |
| Admin fee / account holder | $2,544 | $8,434-69.8% | $7,360-65.4% | $13,390-81.0% |