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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 | $41,139 | $97,732-57.9% | $83,831-50.9% | $135,380-69.6% |
| Participation rate | 87.5% | 80.0%+7.5pp | 76.1%+11.4pp | 82.6%+4.9pp |
| Annual return | -9.68% | 1287.56%-1297.2pp | 850.99%-860.7pp | 519.81%-529.5pp |
| Employer contribution / active EE | $7,185 | $4,222+70.2% | $3,631+97.9% | $4,779+50.3% |
| Participant deferral / active EE | $3,807 | $4,683-18.7% | $4,082-6.7% | $5,609-32.1% |
| Admin fee / account holder | $17,782 | $6,675+166.4% | $5,479+224.6% | $10,828+64.2% |