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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 | $200,464 | $202,342-0.9% | $172,753+16.0% | $152,909+31.1% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 6.64% | 1029.88%-1023.2pp | 803.00%-796.4pp | 345.46%-338.8pp |
| Employer contribution / active EE | $8,780 | $5,857+49.9% | $5,144+70.7% | $4,764+84.3% |
| Participant deferral / active EE | $6,242 | $5,948+4.9% | $5,198+20.1% | $5,851+6.7% |
| Admin fee / account holder | $34,036 | $17,112+98.9% | $13,956+143.9% | $11,601+193.4% |