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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 | $133,608 | $160,059-16.5% | $140,019-4.6% | $135,382-1.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -9.27% | 911.44%-920.7pp | 651.15%-660.4pp | 519.77%-529.0pp |
| Employer contribution / active EE | $5,149 | $6,420-19.8% | $5,605-8.1% | $4,779+7.7% |
| Participant deferral / active EE | $22,135 | $7,641+189.7% | $6,927+219.6% | $5,609+294.6% |
| Admin fee / account holder | $11,605 | $13,328-12.9% | $10,705+8.4% | $10,829+7.2% |