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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 | $61,050 | $150,447-59.4% | $136,298-55.2% | $147,586-58.6% |
| Participation rate | 100.0% | 84.4%+15.6pp | 81.9%+18.1pp | 82.8%+17.2pp |
| Annual return | 6.63% | 1049.15%-1042.5pp | 5156.27%-5149.6pp | 578.59%-572.0pp |
| Employer contribution / active EE | $6,785 | $5,256+29.1% | $4,696+44.5% | $4,876+39.1% |
| Participant deferral / active EE | $6,863 | $6,631+3.5% | $6,247+9.9% | $5,439+26.2% |
| Admin fee / account holder | $11,100 | $10,906+1.8% | $9,244+20.1% | $10,886+2.0% |