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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 | $38,409 | $135,645-71.7% | $110,243-65.2% | $135,379-71.6% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -10.68% | 513.24%-523.9pp | 314.76%-325.4pp | 519.79%-530.5pp |
| Employer contribution / active EE | $2,844 | $4,907-42.0% | $3,827-25.7% | $4,779-40.5% |
| Participant deferral / active EE | $5,879 | $5,507+6.7% | $4,672+25.8% | $5,609+4.8% |
| Admin fee / account holder | $331 | $11,458-97.1% | $8,548-96.1% | $10,828-96.9% |