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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 | $219,590 | $138,102+59.0% | $125,381+75.1% | $134,532+63.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -23.06% | 750.73%-773.8pp | 572.31%-595.4pp | 418.27%-441.3pp |
| Employer contribution / active EE | $2,175 | $5,245-58.5% | $4,815-54.8% | $4,741-54.1% |
| Participant deferral / active EE | $10,476 | $7,801+34.3% | $7,448+40.7% | $6,401+63.7% |
| Admin fee / account holder | $4,565 | $11,568-60.5% | $10,007-54.4% | $11,429-60.1% |