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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 | $48,361 | $180,459-73.2% | $154,108-68.6% | $135,380-64.3% |
| Participation rate | 71.4% | 87.4%-16.0pp | 83.0%-11.6pp | 82.6%-11.2pp |
| Annual return | -11.92% | 888.21%-900.1pp | 735.21%-747.1pp | 519.81%-531.7pp |
| Employer contribution / active EE | $5,653 | $6,035-6.3% | $5,298+6.7% | $4,779+18.3% |
| Participant deferral / active EE | $3,951 | $5,806-32.0% | $5,081-22.2% | $5,609-29.6% |
| Admin fee / account holder | $496 | $16,145-96.9% | $13,411-96.3% | $10,828-95.4% |