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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 | $48,652 | $138,114-64.8% | $125,391-61.2% | $134,545-63.8% |
| Participation rate | 88.9% | 84.5%+4.4pp | 82.4%+6.5pp | 81.2%+7.7pp |
| Annual return | -25.95% | 750.88%-776.8pp | 572.41%-598.4pp | 418.37%-444.3pp |
| Employer contribution / active EE | $2,341 | $5,246-55.4% | $4,816-51.4% | $4,742-50.6% |
| Participant deferral / active EE | $10,005 | $7,801+28.2% | $7,448+34.3% | $6,401+56.3% |
| Admin fee / account holder | $302 | $11,570-97.4% | $10,009-97.0% | $11,431-97.4% |