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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 | $43,055 | $180,459-76.1% | $154,108-72.1% | $135,380-68.2% |
| Participation rate | 80.0% | 87.4%-7.4pp | 83.0%-3.0pp | 82.6%-2.6pp |
| Annual return | -9.29% | 888.21%-897.5pp | 735.21%-744.5pp | 519.81%-529.1pp |
| Employer contribution / active EE | $2,893 | $6,035-52.1% | $5,298-45.4% | $4,779-39.5% |
| Participant deferral / active EE | $5,657 | $5,806-2.6% | $5,081+11.3% | $5,609+0.8% |
| Admin fee / account holder | $597 | $16,145-96.3% | $13,411-95.6% | $10,828-94.5% |