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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 | $161,056 | $150,447+7.1% | $136,298+18.2% | $147,586+9.1% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 2.32% | 1049.15%-1046.8pp | 5156.27%-5153.9pp | 578.59%-576.3pp |
| Employer contribution / active EE | $2,563 | $5,256-51.2% | $4,696-45.4% | $4,876-47.4% |
| Participant deferral / active EE | $5,860 | $6,631-11.6% | $6,247-6.2% | $5,439+7.7% |
| Admin fee / account holder | $353 | $10,906-96.8% | $9,244-96.2% | $10,886-96.8% |