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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 | $30,593 | $138,078-77.8% | $125,363-75.6% | $134,509-77.3% |
| Participation rate | 83.3% | 84.5%-1.2pp | 82.4%+1.0pp | 81.2%+2.1pp |
| Annual return | -36.05% | 750.49%-786.5pp | 572.15%-608.2pp | 418.13%-454.2pp |
| Employer contribution / active EE | $10,635 | $5,245+102.8% | $4,815+120.9% | $4,741+124.3% |
| Participant deferral / active EE | $13,014 | $7,800+66.9% | $7,447+74.8% | $6,400+103.3% |
| Admin fee / account holder | $864 | $11,566-92.5% | $10,005-91.4% | $11,427-92.4% |