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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 | $39,886 | $138,102-71.1% | $125,381-68.2% | $134,532-70.4% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -21.82% | 750.73%-772.5pp | 572.31%-594.1pp | 418.27%-440.1pp |
| Employer contribution / active EE | $3,943 | $5,245-24.8% | $4,815-18.1% | $4,741-16.8% |
| Participant deferral / active EE | $4,793 | $7,801-38.6% | $7,448-35.6% | $6,401-25.1% |
| Admin fee / account holder | $1,045 | $11,568-91.0% | $10,007-89.6% | $11,429-90.9% |