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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 | $62,629 | $160,059-60.9% | $140,019-55.3% | $135,380-53.7% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -13.34% | 911.48%-924.8pp | 651.17%-664.5pp | 519.81%-533.1pp |
| Employer contribution / active EE | $3,962 | $6,420-38.3% | $5,605-29.3% | $4,779-17.1% |
| Participant deferral / active EE | $11,046 | $7,641+44.6% | $6,927+59.5% | $5,609+96.9% |
| Admin fee / account holder | $375 | $13,328-97.2% | $10,705-96.5% | $10,828-96.5% |