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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 | $92,391 | $138,102-33.1% | $125,381-26.3% | $134,532-31.3% |
| Participation rate | 83.3% | 84.5%-1.2pp | 82.4%+1.0pp | 81.2%+2.1pp |
| Annual return | -27.45% | 750.73%-778.2pp | 572.31%-599.8pp | 418.27%-445.7pp |
| Employer contribution / active EE | $3,211 | $5,245-38.8% | $4,815-33.3% | $4,741-32.3% |
| Participant deferral / active EE | $13,616 | $7,801+74.6% | $7,448+82.8% | $6,401+112.7% |
| Admin fee / account holder | $730 | $11,568-93.7% | $10,007-92.7% | $11,429-93.6% |