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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 | $228,774 | $180,462+26.8% | $154,111+48.4% | $135,379+69.0% |
| Participation rate | 71.4% | 87.4%-16.0pp | 83.0%-11.6pp | 82.6%-11.2pp |
| Annual return | -8.92% | 888.17%-897.1pp | 735.18%-744.1pp | 519.79%-528.7pp |
| Employer contribution / active EE | $3,122 | $6,036-48.3% | $5,298-41.1% | $4,779-34.7% |
| Participant deferral / active EE | $7,602 | $5,806+30.9% | $5,081+49.6% | $5,609+35.5% |
| Admin fee / account holder | $3,690 | $16,145-77.1% | $13,411-72.5% | $10,828-65.9% |