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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 | $134,737 | $138,076-2.4% | $123,553+9.1% | $135,380-0.5% |
| Participation rate | 83.3% | 84.7%-1.4pp | 82.3%+1.0pp | 82.6%+0.7pp |
| Annual return | -9.34% | 153.70%-163.0pp | 119.21%-128.5pp | 519.81%-529.1pp |
| Employer contribution / active EE | $3,368 | $5,152-34.6% | $4,628-27.2% | $4,779-29.5% |
| Participant deferral / active EE | $12,619 | $6,800+85.6% | $6,426+96.4% | $5,609+125.0% |
| Admin fee / account holder | $741 | $10,917-93.2% | $9,284-92.0% | $10,828-93.2% |