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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 | $200,527 | $150,447+33.3% | $136,298+47.1% | $147,586+35.9% |
| Participation rate | 90.0% | 84.4%+5.6pp | 81.9%+8.1pp | 82.8%+7.2pp |
| Annual return | 5.22% | 1049.15%-1043.9pp | 5156.27%-5151.0pp | 578.59%-573.4pp |
| Employer contribution / active EE | $2,835 | $5,256-46.1% | $4,696-39.6% | $4,876-41.9% |
| Participant deferral / active EE | $4,055 | $6,631-38.8% | $6,247-35.1% | $5,439-25.4% |
| Admin fee / account holder | $6,751 | $10,906-38.1% | $9,244-27.0% | $10,886-38.0% |