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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 | $90,674 | $180,459-49.8% | $154,108-41.2% | $135,380-33.0% |
| Participation rate | 91.7% | 87.4%+4.2pp | 83.0%+8.6pp | 82.6%+9.0pp |
| Annual return | -11.43% | 888.21%-899.6pp | 735.21%-746.6pp | 519.81%-531.2pp |
| Employer contribution / active EE | $1,923 | $6,035-68.1% | $5,298-63.7% | $4,779-59.8% |
| Participant deferral / active EE | $8,106 | $5,806+39.6% | $5,081+59.5% | $5,609+44.5% |
| Admin fee / account holder | $370 | $16,145-97.7% | $13,411-97.2% | $10,828-96.6% |