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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 | $185,803 | $150,447+23.5% | $136,298+36.3% | $147,586+25.9% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 7.97% | 1049.15%-1041.2pp | 5156.27%-5148.3pp | 578.59%-570.6pp |
| Employer contribution / active EE | $8,227 | $5,256+56.5% | $4,696+75.2% | $4,876+68.7% |
| Participant deferral / active EE | $5,554 | $6,631-16.2% | $6,247-11.1% | $5,439+2.1% |
| Admin fee / account holder | $7,273 | $10,906-33.3% | $9,244-21.3% | $10,886-33.2% |