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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 | $96,227 | $202,342-52.4% | $172,752-44.3% | $152,897-37.1% |
| Participation rate | 83.3% | 87.1%-3.7pp | 82.6%+0.7pp | 82.5%+0.9pp |
| Annual return | 6.62% | 1029.83%-1023.2pp | 802.97%-796.3pp | 345.43%-338.8pp |
| Employer contribution / active EE | $9,280 | $5,858+58.4% | $5,144+80.4% | $4,764+94.8% |
| Participant deferral / active EE | $4,822 | $5,948-18.9% | $5,198-7.2% | $5,851-17.6% |
| Admin fee / account holder | $692 | $17,111-96.0% | $13,955-95.0% | $11,599-94.0% |