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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 | $67,202 | $202,440-66.8% | $169,390-60.3% | $139,466-51.8% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | -7.90% | 532.36%-540.3pp | 406.07%-414.0pp | 373.66%-381.6pp |
| Employer contribution / active EE | $7,974 | $4,693+69.9% | $4,013+98.7% | $4,754+67.7% |
| Participant deferral / active EE | $7,097 | $6,940+2.3% | $6,222+14.1% | $6,712+5.7% |
| Admin fee / account holder | $22,159 | $10,722+106.7% | $9,015+145.8% | $11,409+94.2% |