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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 | $114,962 | $101,618+13.1% | $93,063+23.5% | $137,256-16.2% |
| Participation rate | 100.0% | 74.9%+25.1pp | 72.1%+27.9pp | 80.0%+20.0pp |
| Annual return | -4.74% | 223.95%-228.7pp | 34.15%-38.9pp | 220.34%-225.1pp |
| Employer contribution / active EE | $11,835 | $2,707+337.2% | $2,476+378.0% | $4,156+184.8% |
| Participant deferral / active EE | $10,094 | $4,279+135.9% | $3,958+155.0% | $6,407+57.6% |
| Admin fee / account holder | $880 | $6,198-85.8% | $6,033-85.4% | $12,270-92.8% |