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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 | $208,904 | $138,075+51.3% | $123,552+69.1% | $135,379+54.3% |
| Participation rate | 93.3% | 84.7%+8.6pp | 82.3%+11.0pp | 82.6%+10.7pp |
| Annual return | -11.78% | 153.70%-165.5pp | 119.20%-131.0pp | 519.79%-531.6pp |
| Employer contribution / active EE | $11,448 | $5,152+122.2% | $4,628+147.4% | $4,779+139.6% |
| Participant deferral / active EE | $9,717 | $6,800+42.9% | $6,426+51.2% | $5,609+73.2% |
| Admin fee / account holder | $1,811 | $10,917-83.4% | $9,285-80.5% | $10,828-83.3% |