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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 | $181,609 | $106,551+70.4% | $91,225+99.1% | $134,532+35.0% |
| Participation rate | 100.0% | 76.8%+23.2pp | 73.2%+26.8pp | 81.2%+18.8pp |
| Annual return | -26.10% | 160.78%-186.9pp | 114.12%-140.2pp | 418.27%-444.4pp |
| Employer contribution / active EE | $2,362 | $3,331-29.1% | $2,851-17.2% | $4,741-50.2% |
| Participant deferral / active EE | $8,430 | $4,718+78.7% | $4,233+99.1% | $6,401+31.7% |
| Admin fee / account holder | $1,810 | $6,234-71.0% | $5,422-66.6% | $11,429-84.2% |