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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 | $17,480 | $97,732-82.1% | $83,831-79.1% | $135,380-87.1% |
| Participation rate | 95.0% | 80.0%+15.0pp | 76.1%+18.9pp | 82.6%+12.4pp |
| Annual return | -16.99% | 1287.56%-1304.5pp | 850.99%-868.0pp | 519.81%-536.8pp |
| Employer contribution / active EE | $2,160 | $4,222-48.8% | $3,631-40.5% | $4,779-54.8% |
| Participant deferral / active EE | $5,897 | $4,683+25.9% | $4,082+44.5% | $5,609+5.1% |
| Admin fee / account holder | $387 | $6,675-94.2% | $5,479-92.9% | $10,828-96.4% |