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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 | $68,180 | $160,059-57.4% | $140,019-51.3% | $135,379-49.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -11.24% | 911.44%-922.7pp | 651.15%-662.4pp | 519.79%-531.0pp |
| Employer contribution / active EE | $10,576 | $6,420+64.7% | $5,605+88.7% | $4,779+121.3% |
| Participant deferral / active EE | $11,036 | $7,641+44.4% | $6,927+59.3% | $5,609+96.8% |
| Admin fee / account holder | $1,787 | $13,328-86.6% | $10,705-83.3% | $10,828-83.5% |