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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 | $178,999 | $150,447+19.0% | $136,298+31.3% | $147,586+21.3% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 6.52% | 1049.15%-1042.6pp | 5156.27%-5149.8pp | 578.59%-572.1pp |
| Employer contribution / active EE | $2,297 | $5,256-56.3% | $4,696-51.1% | $4,876-52.9% |
| Participant deferral / active EE | $13,667 | $6,631+106.1% | $6,247+118.8% | $5,439+151.3% |
| Admin fee / account holder | $747 | $10,906-93.1% | $9,244-91.9% | $10,886-93.1% |