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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 | $57,746 | $97,729-40.9% | $83,830-31.1% | $135,379-57.3% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -10.55% | 1287.52%-1298.1pp | 850.97%-861.5pp | 519.79%-530.3pp |
| Employer contribution / active EE | $1,280 | $4,222-69.7% | $3,631-64.7% | $4,779-73.2% |
| Participant deferral / active EE | $3,802 | $4,683-18.8% | $4,082-6.9% | $5,609-32.2% |
| Admin fee / account holder | $1,283 | $6,674-80.8% | $5,479-76.6% | $10,828-88.1% |