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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 | $198,985 | $180,459+10.3% | $154,108+29.1% | $135,380+47.0% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -14.39% | 888.21%-902.6pp | 735.21%-749.6pp | 519.81%-534.2pp |
| Employer contribution / active EE | $17,226 | $6,035+185.4% | $5,298+225.2% | $4,779+260.5% |
| Participant deferral / active EE | $7,660 | $5,806+31.9% | $5,081+50.8% | $5,609+36.6% |
| Admin fee / account holder | $12,328 | $16,145-23.6% | $13,411-8.1% | $10,828+13.9% |