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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 | $63,784 | $209,422-69.5% | $178,503-64.3% | $158,982-59.9% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | -8.63% | 188.81%-197.4pp | 151.12%-159.7pp | 302.99%-311.6pp |
| Employer contribution / active EE | $5,001 | $5,707-12.4% | $5,011-0.2% | $4,763+5.0% |
| Participant deferral / active EE | $11,129 | $5,955+86.9% | $5,202+113.9% | $5,983+86.0% |
| Admin fee / account holder | $3,762 | $17,079-78.0% | $13,987-73.1% | $11,252-66.6% |