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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 | $201,374 | $100,938+99.5% | $90,461+122.6% | $158,982+26.7% |
| Participation rate | 93.8% | 75.0%+18.7pp | 72.7%+21.1pp | 82.0%+11.8pp |
| Annual return | -1.23% | 1727.20%-1728.4pp | 1294.76%-1296.0pp | 302.99%-304.2pp |
| Employer contribution / active EE | $3,487 | $3,691-5.5% | $3,264+6.8% | $4,763-26.8% |
| Participant deferral / active EE | $3,544 | $4,350-18.5% | $3,964-10.6% | $5,983-40.8% |
| Admin fee / account holder | $2,642 | $6,510-59.4% | $5,617-53.0% | $11,252-76.5% |