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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 | $37,054 | $82,630-55.2% | $64,105-42.2% | $125,388-70.4% |
| Participation rate | 73.3% | 75.9%-2.5pp | 68.2%+5.2pp | 83.2%-9.9pp |
| Annual return | -6.69% | 1489.72%-1496.4pp | 791.24%-797.9pp | 282.24%-288.9pp |
| Employer contribution / active EE | $3,558 | $2,671+33.2% | $1,820+95.5% | $4,866-26.9% |
| Participant deferral / active EE | $4,674 | $3,608+29.5% | $2,822+65.6% | $5,352-12.7% |
| Admin fee / account holder | $393 | $6,382-93.8% | $4,499-91.3% | $9,541-95.9% |