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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 | $31,819 | $97,729-67.4% | $83,830-62.0% | $135,379-76.5% |
| Participation rate | 71.4% | 80.0%-8.5pp | 76.1%-4.7pp | 82.6%-11.2pp |
| Annual return | -10.41% | 1287.52%-1297.9pp | 850.97%-861.4pp | 519.79%-530.2pp |
| Employer contribution / active EE | $1,803 | $4,222-57.3% | $3,631-50.3% | $4,779-62.3% |
| Participant deferral / active EE | $6,966 | $4,683+48.8% | $4,082+70.6% | $5,609+24.2% |
| Admin fee / account holder | $998 | $6,674-85.0% | $5,479-81.8% | $10,828-90.8% |