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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 | $189,007 | $135,645+39.3% | $110,243+71.4% | $135,380+39.6% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -9.15% | 513.24%-522.4pp | 314.76%-323.9pp | 519.81%-529.0pp |
| Employer contribution / active EE | $21,157 | $4,907+331.2% | $3,827+452.9% | $4,779+342.7% |
| Participant deferral / active EE | $12,333 | $5,507+124.0% | $4,672+164.0% | $5,609+119.9% |
| Admin fee / account holder | $9,926 | $11,458-13.4% | $8,548+16.1% | $10,828-8.3% |