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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 | $127,905 | $138,076-7.4% | $123,553+3.5% | $135,380-5.5% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -11.55% | 153.70%-165.2pp | 119.21%-130.8pp | 519.81%-531.4pp |
| Employer contribution / active EE | $4,212 | $5,152-18.3% | $4,628-9.0% | $4,779-11.9% |
| Participant deferral / active EE | $5,756 | $6,800-15.3% | $6,426-10.4% | $5,609+2.6% |
| Admin fee / account holder | $1,232 | $10,917-88.7% | $9,284-86.7% | $10,828-88.6% |