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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 | $187,258 | $115,810+61.7% | $101,271+84.9% | $158,966+17.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | -3.36% | 56.15%-59.5pp | 46.48%-49.8pp | 302.95%-306.3pp |
| Employer contribution / active EE | $7,895 | $4,175+89.1% | $3,660+115.7% | $4,762+65.8% |
| Participant deferral / active EE | $5,951 | $4,958+20.0% | $4,371+36.2% | $5,983-0.5% |
| Admin fee / account holder | $4,083 | $7,248-43.7% | $5,948-31.4% | $11,250-63.7% |