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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 | $87,294 | $92,766-5.9% | $82,763+5.5% | $134,545-35.1% |
| Participation rate | 92.3% | 75.2%+17.1pp | 72.6%+19.7pp | 81.2%+11.1pp |
| Annual return | -22.18% | 946.97%-969.1pp | 702.45%-724.6pp | 418.37%-440.5pp |
| Employer contribution / active EE | $2,611 | $3,273-20.2% | $3,008-13.2% | $4,742-44.9% |
| Participant deferral / active EE | $6,437 | $4,802+34.0% | $4,395+46.5% | $6,401+0.6% |
| Admin fee / account holder | $1,604 | $5,978-73.2% | $5,325-69.9% | $11,431-86.0% |