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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 | $177,445 | $171,867+3.2% | $149,721+18.5% | $147,586+20.2% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 5.72% | 2113.36%-2107.6pp | 1501.67%-1495.9pp | 578.59%-572.9pp |
| Employer contribution / active EE | $19,319 | $6,275+207.9% | $5,444+254.8% | $4,876+296.2% |
| Participant deferral / active EE | $14,701 | $7,270+102.2% | $6,568+123.8% | $5,439+170.3% |
| Admin fee / account holder | $92,482 | $13,799+570.2% | $11,282+719.7% | $10,886+749.6% |