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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 | $110,745 | $168,635-34.3% | $147,617-25.0% | $125,389-11.7% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -4.37% | 77.65%-82.0pp | 61.98%-66.3pp | 282.24%-286.6pp |
| Employer contribution / active EE | $1,775 | $6,252-71.6% | $5,564-68.1% | $4,866-63.5% |
| Participant deferral / active EE | $8,453 | $5,507+53.5% | $4,895+72.7% | $5,352+57.9% |
| Admin fee / account holder | $6,673 | $13,580-50.9% | $11,612-42.5% | $9,541-30.1% |