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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 | $108,252 | $168,635-35.8% | $147,617-26.7% | $125,389-13.7% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -5.62% | 77.65%-83.3pp | 61.98%-67.6pp | 282.24%-287.9pp |
| Employer contribution / active EE | $10,122 | $6,252+61.9% | $5,564+81.9% | $4,866+108.0% |
| Participant deferral / active EE | $6,021 | $5,507+9.3% | $4,895+23.0% | $5,352+12.5% |
| Admin fee / account holder | $3,576 | $13,580-73.7% | $11,612-69.2% | $9,541-62.5% |