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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 | $187,034 | $197,819-5.5% | $155,789+20.1% | $125,389+49.2% |
| Participation rate | 100.0% | 82.1%+17.9pp | 76.1%+23.9pp | 83.2%+16.8pp |
| Annual return | -4.01% | 86.73%-90.7pp | 71.54%-75.5pp | 282.24%-286.3pp |
| Employer contribution / active EE | $16,046 | $4,850+230.8% | $3,839+318.0% | $4,866+229.8% |
| Participant deferral / active EE | $10,941 | $5,631+94.3% | $4,798+128.0% | $5,352+104.4% |
| Admin fee / account holder | $755 | $9,544-92.1% | $7,477-89.9% | $9,541-92.1% |