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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 | $47,560 | $209,422-77.3% | $178,503-73.4% | $158,982-70.1% |
| Participation rate | 78.6% | 86.4%-7.8pp | 81.9%-3.4pp | 82.0%-3.4pp |
| Annual return | -5.48% | 188.81%-194.3pp | 151.12%-156.6pp | 302.99%-308.5pp |
| Employer contribution / active EE | $2,201 | $5,707-61.4% | $5,011-56.1% | $4,763-53.8% |
| Participant deferral / active EE | $4,527 | $5,955-24.0% | $5,202-13.0% | $5,983-24.3% |
| Admin fee / account holder | $946 | $17,079-94.5% | $13,987-93.2% | $11,252-91.6% |