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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 | $138,095 | $138,0780% | $125,363+10.2% | $134,509+2.7% |
| Participation rate | 92.9% | 84.5%+8.4pp | 82.4%+10.5pp | 81.2%+11.6pp |
| Annual return | -21.14% | 750.49%-771.6pp | 572.15%-593.3pp | 418.13%-439.3pp |
| Employer contribution / active EE | $2,663 | $5,245-49.2% | $4,815-44.7% | $4,741-43.8% |
| Participant deferral / active EE | $15,762 | $7,800+102.1% | $7,447+111.6% | $6,400+146.3% |
| Admin fee / account holder | $10,853 | $11,566-6.2% | $10,005+8.5% | $11,427-5.0% |