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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 | $87,942 | $168,635-47.9% | $147,617-40.4% | $125,389-29.9% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -3.81% | 77.65%-81.5pp | 61.98%-65.8pp | 282.24%-286.1pp |
| Employer contribution / active EE | $8,316 | $6,252+33.0% | $5,564+49.4% | $4,866+70.9% |
| Participant deferral / active EE | $5,677 | $5,507+3.1% | $4,895+16.0% | $5,352+6.1% |
| Admin fee / account holder | $5,784 | $13,580-57.4% | $11,612-50.2% | $9,541-39.4% |