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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 | $131,570 | $88,754+48.2% | $81,820+60.8% | $145,877-9.8% |
| Participation rate | 100.0% | 75.1%+24.9pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 6.92% | 1031.77%-1024.8pp | 777.93%-771.0pp | 551.28%-544.4pp |
| Employer contribution / active EE | $3,453 | $3,085+11.9% | $2,915+18.4% | $4,663-26.0% |
| Participant deferral / active EE | $30,500 | $4,648+556.3% | $4,323+605.6% | $6,691+355.9% |
| Admin fee / account holder | $4,209 | $8,424-50.0% | $7,391-43.0% | $13,402-68.6% |