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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 | $9,491 | $125,778-92.5% | $114,563-91.7% | $154,746-93.9% |
| Participation rate | 86.7% | 75.2%+11.5pp | 72.9%+13.8pp | 80.7%+6.0pp |
| Annual return | -3.49% | 295.14%-298.6pp | 241.09%-244.6pp | 172.34%-175.8pp |
| Employer contribution / active EE | $246 | $2,806-91.2% | $2,592-90.5% | $4,379-94.4% |
| Participant deferral / active EE | $4,078 | $4,445-8.3% | $4,142-1.6% | $6,730-39.4% |
| Admin fee / account holder | $1,667 | $8,190-79.6% | $7,623-78.1% | $14,365-88.4% |