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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 | $102,548 | $150,447-31.8% | $136,298-24.8% | $147,586-30.5% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 4.71% | 1049.15%-1044.4pp | 5156.27%-5151.6pp | 578.59%-573.9pp |
| Employer contribution / active EE | $27,748 | $5,256+427.9% | $4,696+490.9% | $4,876+469.0% |
| Participant deferral / active EE | $15,998 | $6,631+141.3% | $6,247+156.1% | $5,439+194.1% |
| Admin fee / account holder | $401 | $10,906-96.3% | $9,244-95.7% | $10,886-96.3% |