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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 | $104,570 | $171,867-39.2% | $149,718-30.2% | $147,585-29.1% |
| Participation rate | 100.0% | 88.2%+11.8pp | 87.1%+12.9pp | 82.8%+17.2pp |
| Annual return | 1.82% | 2113.36%-2111.5pp | 1501.70%-1499.9pp | 578.57%-576.8pp |
| Employer contribution / active EE | $1,826 | $6,275-70.9% | $5,444-66.5% | $4,876-62.6% |
| Participant deferral / active EE | $14,486 | $7,270+99.3% | $6,568+120.5% | $5,439+166.4% |
| Admin fee / account holder | $912 | $13,799-93.4% | $11,283-91.9% | $10,885-91.6% |