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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 | $193,416 | $183,539+5.4% | $155,556+24.3% | $145,897+32.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 0.12% | 61.31%-61.2pp | 64.84%-64.7pp | 552.29%-552.2pp |
| Employer contribution / active EE | $0 | $5,315-100.0% | $4,675-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $6,050 | $6,467-6.4% | $5,631+7.4% | $6,689-9.6% |
| Admin fee / account holder | $11,129 | $19,275-42.3% | $15,885-29.9% | $13,390-16.9% |