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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 | $112,292 | $75,832+48.1% | $147,617-23.9% | $59,633+88.3% |
| Participation rate | 88.5% | 71.6%+16.9pp | 84.6%+3.8pp | 68.7%+19.8pp |
| Annual return | -4.31% | 0.37%-4.7pp | 61.98%-66.3pp | 2041.45%-2045.8pp |
| Employer contribution / active EE | $6,471 | $3,485+85.7% | $5,564+16.3% | $2,203+193.8% |
| Participant deferral / active EE | $5,509 | $3,131+76.0% | $4,895+12.5% | $3,192+72.6% |
| Admin fee / account holder | $3,924 | $5,986-34.4% | $11,612-66.2% | $4,297-8.7% |