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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 | $169,386 | $168,636+0.4% | $147,617+14.7% | $125,393+35.1% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -3.86% | 77.65%-81.5pp | 61.98%-65.8pp | 282.23%-286.1pp |
| Employer contribution / active EE | $5,391 | $6,252-13.8% | $5,565-3.1% | $4,866+10.8% |
| Participant deferral / active EE | $7,032 | $5,507+27.7% | $4,895+43.7% | $5,351+31.4% |
| Admin fee / account holder | $30,766 | $13,580+126.5% | $11,611+165.0% | $9,541+222.5% |