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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 | $103,032 | $138,072-25.4% | $123,549-16.6% | $135,382-23.9% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -16.84% | 153.69%-170.5pp | 119.20%-136.0pp | 519.77%-536.6pp |
| Employer contribution / active EE | $2,713 | $5,152-47.3% | $4,628-41.4% | $4,779-43.2% |
| Participant deferral / active EE | $23,000 | $6,799+238.3% | $6,426+257.9% | $5,609+310.1% |
| Admin fee / account holder | $10,895 | $10,917-0.2% | $9,284+17.3% | $10,829+0.6% |