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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 | $81,600 | $135,645-39.8% | $110,243-26.0% | $135,379-39.7% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -10.84% | 513.24%-524.1pp | 314.76%-325.6pp | 519.79%-530.6pp |
| Employer contribution / active EE | $19,495 | $4,907+297.3% | $3,827+409.4% | $4,779+307.9% |
| Participant deferral / active EE | $16,941 | $5,507+207.6% | $4,672+262.6% | $5,609+202.0% |
| Admin fee / account holder | $2,563 | $11,458-77.6% | $8,548-70.0% | $10,828-76.3% |