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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 | $97,195 | $138,102-29.6% | $125,381-22.5% | $134,532-27.8% |
| Participation rate | 91.3% | 84.5%+6.8pp | 82.4%+8.9pp | 81.2%+10.1pp |
| Annual return | -21.74% | 750.73%-772.5pp | 572.31%-594.0pp | 418.27%-440.0pp |
| Employer contribution / active EE | $14,459 | $5,245+175.6% | $4,815+200.3% | $4,741+205.0% |
| Participant deferral / active EE | $10,283 | $7,801+31.8% | $7,448+38.1% | $6,401+60.7% |
| Admin fee / account holder | $1,905 | $11,568-83.5% | $10,007-81.0% | $11,429-83.3% |