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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 | $60,503 | $160,070-62.2% | $147,117-58.9% | $145,897-58.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | -10.65% | 98.69%-109.3pp | 420.54%-431.2pp | 552.29%-562.9pp |
| Employer contribution / active EE | $11,943 | $5,285+126.0% | $4,932+142.1% | $4,663+156.1% |
| Participant deferral / active EE | $10,189 | $8,419+21.0% | $8,065+26.3% | $6,689+52.3% |
| Admin fee / account holder | $12,761 | $15,035-15.1% | $12,993-1.8% | $13,390-4.7% |