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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 | $30,716 | $84,684-63.7% | $73,835-58.4% | $125,388-75.5% |
| Participation rate | 94.4% | 76.8%+17.7pp | 73.4%+21.0pp | 83.2%+11.3pp |
| Annual return | -6.07% | 3123.93%-3130.0pp | 2268.13%-2274.2pp | 282.24%-288.3pp |
| Employer contribution / active EE | $250 | $3,123-92.0% | $2,788-91.0% | $4,866-94.9% |
| Participant deferral / active EE | $3,611 | $3,993-9.6% | $3,583+0.8% | $5,352-32.5% |
| Admin fee / account holder | $632 | $5,691-88.9% | $4,880-87.0% | $9,541-93.4% |