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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 | $143,562 | $135,645+5.8% | $110,243+30.2% | $135,379+6.0% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -9.25% | 513.24%-522.5pp | 314.76%-324.0pp | 519.79%-529.0pp |
| Employer contribution / active EE | $9,014 | $4,907+83.7% | $3,827+135.5% | $4,779+88.6% |
| Participant deferral / active EE | $8,306 | $5,507+50.8% | $4,672+77.8% | $5,609+48.1% |
| Admin fee / account holder | $943 | $11,458-91.8% | $8,548-89.0% | $10,828-91.3% |