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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 | $29,649 | $97,732-69.7% | $83,831-64.6% | $135,380-78.1% |
| Participation rate | 78.6% | 80.0%-1.4pp | 76.1%+2.4pp | 82.6%-4.1pp |
| Annual return | -11.34% | 1287.56%-1298.9pp | 850.99%-862.3pp | 519.81%-531.2pp |
| Employer contribution / active EE | $14,730 | $4,222+248.9% | $3,631+305.7% | $4,779+208.2% |
| Participant deferral / active EE | $3,225 | $4,683-31.1% | $4,082-21.0% | $5,609-42.5% |
| Admin fee / account holder | $1,656 | $6,675-75.2% | $5,479-69.8% | $10,828-84.7% |