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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 | $151,415 | $138,114+9.6% | $125,391+20.8% | $134,545+12.5% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -25.55% | 750.88%-776.4pp | 572.41%-598.0pp | 418.37%-443.9pp |
| Employer contribution / active EE | $2,413 | $5,246-54.0% | $4,816-49.9% | $4,742-49.1% |
| Participant deferral / active EE | $4,218 | $7,801-45.9% | $7,448-43.4% | $6,401-34.1% |
| Admin fee / account holder | $1,631 | $11,570-85.9% | $10,009-83.7% | $11,431-85.7% |