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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 | $245,235 | $202,342+21.2% | $172,753+42.0% | $152,909+60.4% |
| Participation rate | 80.0% | 87.1%-7.1pp | 82.6%-2.6pp | 82.5%-2.5pp |
| Annual return | 3.83% | 1029.88%-1026.1pp | 803.00%-799.2pp | 345.46%-341.6pp |
| Employer contribution / active EE | $11,620 | $5,857+98.4% | $5,144+125.9% | $4,764+143.9% |
| Participant deferral / active EE | $11,107 | $5,948+86.7% | $5,198+113.7% | $5,851+89.8% |
| Admin fee / account holder | $60,500 | $17,112+253.6% | $13,956+333.5% | $11,601+421.5% |