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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 | $85,230 | $209,425-59.3% | $178,499-52.3% | $158,966-46.4% |
| Participation rate | 90.0% | 86.4%+3.6pp | 81.9%+8.1pp | 82.0%+8.0pp |
| Annual return | -5.40% | 188.80%-194.2pp | 151.10%-156.5pp | 302.95%-308.3pp |
| Employer contribution / active EE | $7,279 | $5,707+27.5% | $5,011+45.2% | $4,762+52.8% |
| Participant deferral / active EE | $7,879 | $5,955+32.3% | $5,202+51.5% | $5,983+31.7% |
| Admin fee / account holder | $3,870 | $17,078-77.3% | $13,986-72.3% | $11,250-65.6% |