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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 | $144,918 | $209,428-30.8% | $178,498-18.8% | $158,950-8.8% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | -2.35% | 188.78%-191.1pp | 151.09%-153.4pp | 302.91%-305.3pp |
| Employer contribution / active EE | $9,877 | $5,707+73.1% | $5,011+97.1% | $4,762+107.4% |
| Participant deferral / active EE | $8,808 | $5,955+47.9% | $5,202+69.3% | $5,983+47.2% |
| Admin fee / account holder | $1,190 | $17,077-93.0% | $13,985-91.5% | $11,248-89.4% |