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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 | $160,929 | $175,231-8.2% | $149,696+7.5% | $139,466+15.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | -14.11% | 166.77%-180.9pp | 134.46%-148.6pp | 373.66%-387.8pp |
| Employer contribution / active EE | $7,775 | $5,478+41.9% | $4,821+61.3% | $4,754+63.6% |
| Participant deferral / active EE | $5,029 | $6,521-22.9% | $5,682-11.5% | $6,712-25.1% |
| Admin fee / account holder | $818 | $16,155-94.9% | $13,212-93.8% | $11,409-92.8% |