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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 | $203,881 | $152,619+33.6% | $125,195+62.9% | $152,909+33.3% |
| Participation rate | 100.0% | 83.3%+16.7pp | 79.8%+20.2pp | 82.5%+17.5pp |
| Annual return | -1.37% | 54.85%-56.2pp | 43.79%-45.2pp | 345.46%-346.8pp |
| Employer contribution / active EE | $3,764 | $4,947-23.9% | $3,866-2.6% | $4,764-21.0% |
| Participant deferral / active EE | $8,383 | $5,869+42.8% | $4,937+69.8% | $5,851+43.3% |
| Admin fee / account holder | $3,324 | $13,437-75.3% | $9,704-65.8% | $11,601-71.3% |