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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 | $148,158 | $185,225-20.0% | $142,898+3.7% | $167,536-11.6% |
| Participation rate | 100.0% | 78.5%+21.5pp | 72.0%+28.0pp | 82.1%+17.9pp |
| Annual return | 6.50% | 8558.12%-8551.6pp | 5639.64%-5633.1pp | 478.82%-472.3pp |
| Employer contribution / active EE | $10,741 | $5,607+91.6% | $4,146+159.1% | $4,839+122.0% |
| Participant deferral / active EE | $9,620 | $4,496+114.0% | $3,838+150.6% | $6,342+51.7% |
| Admin fee / account holder | $1,527 | $8,032-81.0% | $6,560-76.7% | $12,315-87.6% |