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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 | $127,517 | $144,130-11.5% | $117,861+8.2% | $147,586-13.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 79.7%+20.3pp | 82.8%+17.2pp |
| Annual return | 5.72% | 531.20%-525.5pp | 335.11%-329.4pp | 578.59%-572.9pp |
| Employer contribution / active EE | $6,650 | $4,897+35.8% | $3,786+75.6% | $4,876+36.4% |
| Participant deferral / active EE | $5,178 | $5,316-2.6% | $4,482+15.5% | $5,439-4.8% |
| Admin fee / account holder | $1,105 | $10,887-89.9% | $8,021-86.2% | $10,886-89.8% |