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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 | $144,449 | $124,175+16.3% | $108,405+33.2% | $167,536-13.8% |
| Participation rate | 100.0% | 82.3%+17.7pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 0.23% | 1380.13%-1379.9pp | 905.55%-905.3pp | 478.82%-478.6pp |
| Employer contribution / active EE | $11,927 | $4,188+184.8% | $3,559+235.1% | $4,839+146.5% |
| Participant deferral / active EE | $10,596 | $6,908+53.4% | $6,563+61.5% | $6,342+67.1% |
| Admin fee / account holder | $791 | $9,457-91.6% | $7,297-89.2% | $12,315-93.6% |