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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 | $151,335 | $168,635-10.3% | $147,617+2.5% | $125,389+20.7% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -5.24% | 77.65%-82.9pp | 61.98%-67.2pp | 282.24%-287.5pp |
| Employer contribution / active EE | $17,986 | $6,252+187.7% | $5,564+223.2% | $4,866+269.6% |
| Participant deferral / active EE | $8,750 | $5,507+58.9% | $4,895+78.7% | $5,352+63.5% |
| Admin fee / account holder | $1,730 | $13,580-87.3% | $11,612-85.1% | $9,541-81.9% |