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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 | $31,609 | $97,732-67.7% | $83,831-62.3% | $135,380-76.7% |
| Participation rate | 83.3% | 80.0%+3.4pp | 76.1%+7.2pp | 82.6%+0.7pp |
| Annual return | -9.86% | 1287.56%-1297.4pp | 850.99%-860.9pp | 519.81%-529.7pp |
| Employer contribution / active EE | $4,443 | $4,222+5.2% | $3,631+22.3% | $4,779-7.0% |
| Participant deferral / active EE | $4,105 | $4,683-12.3% | $4,082+0.6% | $5,609-26.8% |
| Admin fee / account holder | $948 | $6,675-85.8% | $5,479-82.7% | $10,828-91.2% |