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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 | $51,045 | $90,606-43.7% | $79,466-35.8% | $135,379-62.3% |
| Participation rate | 71.4% | 76.0%-4.6pp | 73.3%-1.9pp | 82.6%-11.2pp |
| Annual return | -10.54% | 977.69%-988.2pp | 718.28%-728.8pp | 519.79%-530.3pp |
| Employer contribution / active EE | $184 | $3,068-94.0% | $2,800-93.4% | $4,779-96.1% |
| Participant deferral / active EE | $3,245 | $4,050-19.9% | $3,704-12.4% | $5,609-42.2% |
| Admin fee / account holder | $545 | $5,895-90.7% | $5,104-89.3% | $10,828-95.0% |