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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 | $109,328 | $183,592-40.5% | $155,574-29.7% | $145,877-25.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | -1.35% | 61.37%-62.7pp | 64.87%-66.2pp | 551.28%-552.6pp |
| Employer contribution / active EE | $1,315 | $5,317-75.3% | $4,676-71.9% | $4,663-71.8% |
| Participant deferral / active EE | $12,020 | $6,466+85.9% | $5,629+113.5% | $6,691+79.7% |
| Admin fee / account holder | $1,370 | $19,316-92.9% | $15,914-91.4% | $13,402-89.8% |