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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 | $189,823 | $138,078+37.5% | $125,363+51.4% | $134,509+41.1% |
| Participation rate | 94.4% | 84.5%+10.0pp | 82.4%+12.1pp | 81.2%+13.2pp |
| Annual return | -21.56% | 750.49%-772.0pp | 572.15%-593.7pp | 418.13%-439.7pp |
| Employer contribution / active EE | $2,880 | $5,245-45.1% | $4,815-40.2% | $4,741-39.3% |
| Participant deferral / active EE | $7,140 | $7,800-8.5% | $7,447-4.1% | $6,400+11.6% |
| Admin fee / account holder | $516 | $11,566-95.5% | $10,005-94.8% | $11,427-95.5% |