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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 | $160,040-9.7% | $147,096-1.8% | $145,877-1.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | -3.52% | 98.49%-102.0pp | 419.75%-423.3pp | 551.28%-554.8pp |
| Employer contribution / active EE | $12,928 | $5,289+144.4% | $4,936+161.9% | $4,663+177.3% |
| Participant deferral / active EE | $15,586 | $8,429+84.9% | $8,071+93.1% | $6,691+132.9% |
| Admin fee / account holder | $2,410 | $15,050-84.0% | $13,005-81.5% | $13,402-82.0% |