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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 | $65,633 | $138,102-52.5% | $125,381-47.7% | $134,532-51.2% |
| Participation rate | 78.9% | 84.5%-5.5pp | 82.4%-3.4pp | 81.2%-2.3pp |
| Annual return | -42.93% | 750.73%-793.7pp | 572.31%-615.2pp | 418.27%-461.2pp |
| Employer contribution / active EE | $2,954 | $5,245-43.7% | $4,815-38.6% | $4,741-37.7% |
| Participant deferral / active EE | $3,677 | $7,801-52.9% | $7,448-50.6% | $6,401-42.6% |
| Admin fee / account holder | $3,967 | $11,568-65.7% | $10,007-60.4% | $11,429-65.3% |