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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 | $138,114+37.4% | $125,391+51.4% | $134,545+41.1% |
| Participation rate | 94.4% | 84.5%+9.9pp | 82.4%+12.1pp | 81.2%+13.2pp |
| Annual return | -21.56% | 750.88%-772.4pp | 572.41%-594.0pp | 418.37%-439.9pp |
| Employer contribution / active EE | $2,880 | $5,246-45.1% | $4,816-40.2% | $4,742-39.3% |
| Participant deferral / active EE | $7,140 | $7,801-8.5% | $7,448-4.1% | $6,401+11.5% |
| Admin fee / account holder | $516 | $11,570-95.5% | $10,009-94.8% | $11,431-95.5% |