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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 | $124,998 | $75,832+64.8% | $147,617-15.3% | $59,633+109.6% |
| Participation rate | 82.4% | 71.6%+10.8pp | 84.6%-2.3pp | 68.7%+13.7pp |
| Annual return | -3.05% | 0.37%-3.4pp | 61.98%-65.0pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $9,909 | $3,485+184.4% | $5,564+78.1% | $2,203+349.9% |
| Participant deferral / active EE | $11,925 | $3,131+280.9% | $4,895+143.6% | $3,192+273.6% |
| Admin fee / account holder | $16,190 | $5,986+170.5% | $11,612+39.4% | $4,297+276.8% |