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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 | $168,698 | $135,645+24.4% | $110,243+53.0% | $135,380+24.6% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -9.32% | 513.24%-522.6pp | 314.76%-324.1pp | 519.81%-529.1pp |
| Employer contribution / active EE | $12,132 | $4,907+147.2% | $3,827+217.0% | $4,779+153.9% |
| Participant deferral / active EE | $11,352 | $5,507+106.1% | $4,672+143.0% | $5,609+102.4% |
| Admin fee / account holder | $681 | $11,458-94.1% | $8,548-92.0% | $10,828-93.7% |