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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 | $50,118 | $209,422-76.1% | $178,503-71.9% | $158,982-68.5% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | -2.02% | 188.81%-190.8pp | 151.12%-153.1pp | 302.99%-305.0pp |
| Employer contribution / active EE | $6,895 | $5,707+20.8% | $5,011+37.6% | $4,763+44.8% |
| Participant deferral / active EE | $7,769 | $5,955+30.5% | $5,202+49.3% | $5,983+29.8% |
| Admin fee / account holder | $2,014 | $17,079-88.2% | $13,987-85.6% | $11,252-82.1% |