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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 | $112,615 | $154,228-27.0% | $145,433-22.6% | $137,256-18.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | -0.51% | 74.59%-75.1pp | 66.58%-67.1pp | 220.34%-220.9pp |
| Employer contribution / active EE | $7,118 | $4,804+48.2% | $4,554+56.3% | $4,156+71.3% |
| Participant deferral / active EE | $16,043 | $8,216+95.3% | $7,897+103.1% | $6,407+150.4% |
| Admin fee / account holder | $1,160 | $14,344-91.9% | $13,129-91.2% | $12,270-90.6% |