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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 | $18,279 | $97,729-81.3% | $83,830-78.2% | $135,379-86.5% |
| Participation rate | 83.3% | 80.0%+3.4pp | 76.1%+7.2pp | 82.6%+0.7pp |
| Annual return | -10.23% | 1287.52%-1297.8pp | 850.97%-861.2pp | 519.79%-530.0pp |
| Employer contribution / active EE | $1,450 | $4,222-65.7% | $3,631-60.1% | $4,779-69.7% |
| Participant deferral / active EE | $5,533 | $4,683+18.2% | $4,082+35.6% | $5,609-1.4% |
| Admin fee / account holder | $801 | $6,674-88.0% | $5,479-85.4% | $10,828-92.6% |