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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 | $228,463 | $202,342+12.9% | $172,753+32.2% | $152,909+49.4% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 3.44% | 1029.88%-1026.4pp | 803.00%-799.6pp | 345.46%-342.0pp |
| Employer contribution / active EE | $16,489 | $5,857+181.5% | $5,144+220.6% | $4,764+246.1% |
| Participant deferral / active EE | $8,393 | $5,948+41.1% | $5,198+61.5% | $5,851+43.4% |
| Admin fee / account holder | $15,616 | $17,112-8.7% | $13,956+11.9% | $11,601+34.6% |