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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 | $26,556 | $138,102-80.8% | $125,381-78.8% | $134,532-80.3% |
| Participation rate | 76.5% | 84.5%-8.0pp | 82.4%-5.9pp | 81.2%-4.8pp |
| Annual return | -22.44% | 750.73%-773.2pp | 572.31%-594.7pp | 418.27%-440.7pp |
| Employer contribution / active EE | $3,299 | $5,245-37.1% | $4,815-31.5% | $4,741-30.4% |
| Participant deferral / active EE | $4,046 | $7,801-48.1% | $7,448-45.7% | $6,401-36.8% |
| Admin fee / account holder | $509 | $11,568-95.6% | $10,007-94.9% | $11,429-95.5% |