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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 | $160,028+21.4% | $147,080+32.1% | $145,884+33.2% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.2%+6.7pp | 80.3%+8.6pp |
| Annual return | -4.08% | 98.60%-102.7pp | 420.17%-424.2pp | 551.85%-555.9pp |
| Employer contribution / active EE | $8,392 | $5,286+58.8% | $4,933+70.1% | $4,662+80.0% |
| Participant deferral / active EE | $7,368 | $8,422-12.5% | $8,066-8.7% | $6,690+10.1% |
| Admin fee / account holder | $5,265 | $15,030-65.0% | $12,989-59.5% | $13,392-60.7% |