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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 | $61,658 | $88,710-30.5% | $81,783-24.6% | $145,959-57.8% |
| Participation rate | 70.0% | 75.0%-5.0pp | 72.4%-2.4pp | 80.3%-10.3pp |
| Annual return | -1.51% | 1027.26%-1028.8pp | 775.05%-776.6pp | 561.95%-563.5pp |
| Employer contribution / active EE | $862 | $3,083-72.0% | $2,913-70.4% | $4,661-81.5% |
| Participant deferral / active EE | $6,124 | $4,645+31.9% | $4,320+41.8% | $6,689-8.4% |
| Admin fee / account holder | $463 | $8,407-94.5% | $7,380-93.7% | $13,398-96.5% |