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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 | $144,448 | $159,934-9.7% | $147,005-1.7% | $145,959-1.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | -3.52% | 98.24%-101.8pp | 418.76%-422.3pp | 561.95%-565.5pp |
| Employer contribution / active EE | $12,928 | $5,287+144.5% | $4,934+162.0% | $4,661+177.4% |
| Participant deferral / active EE | $15,586 | $8,427+84.9% | $8,070+93.1% | $6,689+133.0% |
| Admin fee / account holder | $2,410 | $15,053-84.0% | $13,006-81.5% | $13,398-82.0% |