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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 | $229,122 | $138,102+65.9% | $125,381+82.7% | $134,532+70.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -20.79% | 750.73%-771.5pp | 572.31%-593.1pp | 418.27%-439.1pp |
| Employer contribution / active EE | $2,921 | $5,245-44.3% | $4,815-39.3% | $4,741-38.4% |
| Participant deferral / active EE | $8,296 | $7,801+6.4% | $7,448+11.4% | $6,401+29.6% |
| Admin fee / account holder | $3,649 | $11,568-68.5% | $10,007-63.5% | $11,429-68.1% |