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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 | $66,480 | $135,645-51.0% | $110,243-39.7% | $135,380-50.9% |
| Participation rate | 88.9% | 83.5%+5.4pp | 79.8%+9.1pp | 82.6%+6.2pp |
| Annual return | -8.81% | 513.24%-522.0pp | 314.76%-323.6pp | 519.81%-528.6pp |
| Employer contribution / active EE | $21,844 | $4,907+345.2% | $3,827+470.8% | $4,779+357.1% |
| Participant deferral / active EE | $3,991 | $5,507-27.5% | $4,672-14.6% | $5,609-28.8% |
| Admin fee / account holder | $3,446 | $11,458-69.9% | $8,548-59.7% | $10,828-68.2% |