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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 | $189,276 | $138,072+37.1% | $123,549+53.2% | $135,382+39.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -10.19% | 153.69%-163.9pp | 119.20%-129.4pp | 519.77%-530.0pp |
| Employer contribution / active EE | $19,752 | $5,152+283.4% | $4,628+326.8% | $4,779+313.3% |
| Participant deferral / active EE | $16,215 | $6,799+138.5% | $6,426+152.4% | $5,609+189.1% |
| Admin fee / account holder | $5,141 | $10,917-52.9% | $9,284-44.6% | $10,829-52.5% |