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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 | $61,406 | $138,078-55.5% | $125,363-51.0% | $134,509-54.3% |
| Participation rate | 76.2% | 84.5%-8.3pp | 82.4%-6.2pp | 81.2%-5.0pp |
| Annual return | -20.76% | 750.49%-771.2pp | 572.15%-592.9pp | 418.13%-438.9pp |
| Employer contribution / active EE | $1,801 | $5,245-65.7% | $4,815-62.6% | $4,741-62.0% |
| Participant deferral / active EE | $7,089 | $7,800-9.1% | $7,447-4.8% | $6,400+10.8% |
| Admin fee / account holder | $2,245 | $11,566-80.6% | $10,005-77.6% | $11,427-80.4% |