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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 | $68,291 | $180,462-62.2% | $154,111-55.7% | $135,379-49.6% |
| Participation rate | 87.5% | 87.4%+0.1pp | 83.0%+4.5pp | 82.6%+4.9pp |
| Annual return | -14.27% | 888.17%-902.4pp | 735.18%-749.4pp | 519.79%-534.1pp |
| Employer contribution / active EE | $10,787 | $6,036+78.7% | $5,298+103.6% | $4,779+125.7% |
| Participant deferral / active EE | $6,021 | $5,806+3.7% | $5,081+18.5% | $5,609+7.4% |
| Admin fee / account holder | $550 | $16,145-96.6% | $13,411-95.9% | $10,828-94.9% |