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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 | $218,595 | $115,810+88.8% | $101,271+115.9% | $158,966+37.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | -0.92% | 56.15%-57.1pp | 46.48%-47.4pp | 302.95%-303.9pp |
| Employer contribution / active EE | $23,947 | $4,175+473.5% | $3,660+554.3% | $4,762+402.8% |
| Participant deferral / active EE | $18,200 | $4,958+267.1% | $4,371+316.4% | $5,983+204.2% |
| Admin fee / account holder | $263,800 | $7,248+3539.6% | $5,948+4335.5% | $11,250+2244.9% |