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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 | $141,959 | $168,635-15.8% | $147,617-3.8% | $125,389+13.2% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -4.69% | 77.65%-82.3pp | 61.98%-66.7pp | 282.24%-286.9pp |
| Employer contribution / active EE | $12,532 | $6,252+100.4% | $5,564+125.2% | $4,866+157.5% |
| Participant deferral / active EE | $9,623 | $5,507+74.7% | $4,895+96.6% | $5,352+79.8% |
| Admin fee / account holder | $2,479 | $13,580-81.7% | $11,612-78.6% | $9,541-74.0% |