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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 | $184,221 | $171,867+7.2% | $149,716+23.0% | $147,585+24.8% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 2.45% | 2113.36%-2110.9pp | 1501.67%-1499.2pp | 578.58%-576.1pp |
| Employer contribution / active EE | $7,425 | $6,275+18.3% | $5,444+36.4% | $4,876+52.3% |
| Participant deferral / active EE | $18,784 | $7,270+158.4% | $6,568+186.0% | $5,439+245.4% |
| Admin fee / account holder | $5,288 | $13,799-61.7% | $11,282-53.1% | $10,886-51.4% |