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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 | $194,338 | $160,070+21.4% | $147,117+32.1% | $145,897+33.2% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | -4.08% | 98.69%-102.8pp | 420.54%-424.6pp | 552.29%-556.4pp |
| Employer contribution / active EE | $8,392 | $5,285+58.8% | $4,932+70.1% | $4,663+80.0% |
| Participant deferral / active EE | $7,368 | $8,419-12.5% | $8,065-8.6% | $6,689+10.1% |
| Admin fee / account holder | $5,265 | $15,035-65.0% | $12,993-59.5% | $13,390-60.7% |