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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 | $51,803 | $209,888-75.3% | $189,545-72.7% | $167,553-69.1% |
| Participation rate | 80.0% | 88.7%-8.7pp | 87.8%-7.8pp | 82.1%-2.1pp |
| Annual return | -2.05% | 748.66%-750.7pp | 555.36%-557.4pp | 478.89%-480.9pp |
| Employer contribution / active EE | $8,937 | $6,915+29.2% | $6,162+45.0% | $4,840+84.7% |
| Participant deferral / active EE | $7,541 | $8,934-15.6% | $8,220-8.3% | $6,343+18.9% |
| Admin fee / account holder | $2,245 | $14,300-84.3% | $12,049-81.4% | $12,316-81.8% |