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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 | $167,621 | $168,636-0.6% | $147,617+13.6% | $125,393+33.7% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -4.14% | 77.65%-81.8pp | 61.98%-66.1pp | 282.23%-286.4pp |
| Employer contribution / active EE | $8,843 | $6,252+41.4% | $5,565+58.9% | $4,866+81.7% |
| Participant deferral / active EE | $4,882 | $5,507-11.3% | $4,895-0.3% | $5,351-8.8% |
| Admin fee / account holder | $3,352 | $13,580-75.3% | $11,611-71.1% | $9,541-64.9% |