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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 | $181,263 | $111,535+62.5% | $105,223+72.3% | $137,256+32.1% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | -1.29% | 237.85%-239.1pp | 180.65%-181.9pp | 220.34%-221.6pp |
| Employer contribution / active EE | $26,958 | $3,939+584.3% | $3,689+630.9% | $4,156+548.6% |
| Participant deferral / active EE | $25,500 | $5,500+363.6% | $5,072+402.8% | $6,407+298.0% |
| Admin fee / account holder | $1,250 | $9,721-87.1% | $8,859-85.9% | $12,270-89.8% |