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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 | $7,319 | $92,766-92.1% | $82,763-91.2% | $134,545-94.6% |
| Participation rate | 88.9% | 75.2%+13.7pp | 72.6%+16.3pp | 81.2%+7.7pp |
| Annual return | -86.80% | 946.97%-1033.8pp | 702.45%-789.2pp | 418.37%-505.2pp |
| Employer contribution / active EE | $2,229 | $3,273-31.9% | $3,008-25.9% | $4,742-53.0% |
| Participant deferral / active EE | $5,311 | $4,802+10.6% | $4,395+20.8% | $6,401-17.0% |
| Admin fee / account holder | $715 | $5,978-88.0% | $5,325-86.6% | $11,431-93.7% |