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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 | $75,700 | $138,076-45.2% | $123,553-38.7% | $135,380-44.1% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -12.09% | 153.70%-165.8pp | 119.21%-131.3pp | 519.81%-531.9pp |
| Employer contribution / active EE | $17,053 | $5,152+231.0% | $4,628+268.5% | $4,779+256.8% |
| Participant deferral / active EE | $10,823 | $6,800+59.2% | $6,426+68.4% | $5,609+93.0% |
| Admin fee / account holder | $822 | $10,917-92.5% | $9,284-91.1% | $10,828-92.4% |