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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 | $104,969 | $92,743+13.2% | $82,744+26.9% | $134,532-22.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 81.2%+18.8pp |
| Annual return | -24.38% | 946.63%-971.0pp | 702.22%-726.6pp | 418.27%-442.6pp |
| Employer contribution / active EE | $2,856 | $3,273-12.7% | $3,008-5.1% | $4,741-39.8% |
| Participant deferral / active EE | $4,432 | $4,802-7.7% | $4,395+0.9% | $6,401-30.8% |
| Admin fee / account holder | $7,063 | $5,977+18.2% | $5,325+32.6% | $11,429-38.2% |