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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 | $121,113 | $150,447-19.5% | $136,298-11.1% | $147,586-17.9% |
| Participation rate | 87.5% | 84.4%+3.1pp | 81.9%+5.6pp | 82.8%+4.7pp |
| Annual return | 9.45% | 1049.15%-1039.7pp | 5156.27%-5146.8pp | 578.59%-569.1pp |
| Employer contribution / active EE | $15,998 | $5,256+204.3% | $4,696+240.7% | $4,876+228.1% |
| Participant deferral / active EE | $8,039 | $6,631+21.2% | $6,247+28.7% | $5,439+47.8% |
| Admin fee / account holder | $2,843 | $10,906-73.9% | $9,244-69.2% | $10,886-73.9% |