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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 | $111,716 | $196,972-43.3% | $182,262-38.7% | $198,609-43.8% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | -0.31% | 158.27%-158.6pp | 140.60%-140.9pp | 202.70%-203.0pp |
| Employer contribution / active EE | $0 | $5,364-100.0% | $5,046-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $13,803 | $8,643+59.7% | $8,276+66.8% | $6,977+97.8% |
| Admin fee / account holder | $14,832 | $18,429-19.5% | $16,712-11.2% | $19,030-22.1% |