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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 | $87,583 | $160,059-45.3% | $140,019-37.4% | $135,380-35.3% |
| Participation rate | 80.0% | 88.5%-8.5pp | 87.5%-7.5pp | 82.6%-2.6pp |
| Annual return | -9.47% | 911.48%-920.9pp | 651.17%-660.6pp | 519.81%-529.3pp |
| Employer contribution / active EE | $4,295 | $6,420-33.1% | $5,605-23.4% | $4,779-10.1% |
| Participant deferral / active EE | $6,746 | $7,641-11.7% | $6,927-2.6% | $5,609+20.3% |
| Admin fee / account holder | $4,022 | $13,328-69.8% | $10,705-62.4% | $10,828-62.9% |