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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 | $145,000 | $135,645+6.9% | $110,243+31.5% | $135,379+7.1% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -8.92% | 513.24%-522.2pp | 314.76%-323.7pp | 519.79%-528.7pp |
| Employer contribution / active EE | $1,991 | $4,907-59.4% | $3,827-48.0% | $4,779-58.3% |
| Participant deferral / active EE | $5,829 | $5,507+5.9% | $4,672+24.8% | $5,609+3.9% |
| Admin fee / account holder | $1,401 | $11,458-87.8% | $8,548-83.6% | $10,828-87.1% |