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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 | $192,251 | $138,076+39.2% | $123,553+55.6% | $135,380+42.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -9.82% | 153.70%-163.5pp | 119.21%-129.0pp | 519.81%-529.6pp |
| Employer contribution / active EE | $18,281 | $5,152+254.8% | $4,628+295.0% | $4,779+282.5% |
| Participant deferral / active EE | $13,759 | $6,800+102.4% | $6,426+114.1% | $5,609+145.3% |
| Admin fee / account holder | $6,407 | $10,917-41.3% | $9,284-31.0% | $10,828-40.8% |