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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 | $115,402 | $150,447-23.3% | $136,298-15.3% | $147,586-21.8% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 8.88% | 1049.15%-1040.3pp | 5156.27%-5147.4pp | 578.59%-569.7pp |
| Employer contribution / active EE | $5,150 | $5,256-2.0% | $4,696+9.7% | $4,876+5.6% |
| Participant deferral / active EE | $11,515 | $6,631+73.7% | $6,247+84.3% | $5,439+111.7% |
| Admin fee / account holder | $44,775 | $10,906+310.5% | $9,244+384.4% | $10,886+311.3% |