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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 | $167,799 | $138,076+21.5% | $123,553+35.8% | $135,380+23.9% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -10.35% | 153.70%-164.1pp | 119.21%-129.6pp | 519.81%-530.2pp |
| Employer contribution / active EE | $1,881 | $5,152-63.5% | $4,628-59.3% | $4,779-60.6% |
| Participant deferral / active EE | $9,730 | $6,800+43.1% | $6,426+51.4% | $5,609+73.5% |
| Admin fee / account holder | $1,906 | $10,917-82.5% | $9,284-79.5% | $10,828-82.4% |