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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 | $80,131 | $138,075-42.0% | $123,552-35.1% | $135,379-40.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -13.79% | 153.70%-167.5pp | 119.20%-133.0pp | 519.79%-533.6pp |
| Employer contribution / active EE | $14,900 | $5,152+189.2% | $4,628+222.0% | $4,779+211.8% |
| Participant deferral / active EE | $7,914 | $6,800+16.4% | $6,426+23.2% | $5,609+41.1% |
| Admin fee / account holder | $3,026 | $10,917-72.3% | $9,285-67.4% | $10,828-72.1% |