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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 | $92,122 | $135,645-32.1% | $110,243-16.4% | $135,380-32.0% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -11.94% | 513.24%-525.2pp | 314.76%-326.7pp | 519.81%-531.7pp |
| Employer contribution / active EE | $5,354 | $4,907+9.1% | $3,827+39.9% | $4,779+12.0% |
| Participant deferral / active EE | $6,450 | $5,507+17.1% | $4,672+38.1% | $5,609+15.0% |
| Admin fee / account holder | $6,951 | $11,458-39.3% | $8,548-18.7% | $10,828-35.8% |