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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 | $24,719 | $138,072-82.1% | $123,549-80.0% | $135,382-81.7% |
| Participation rate | 88.9% | 84.7%+4.2pp | 82.3%+6.6pp | 82.6%+6.2pp |
| Annual return | -10.39% | 153.69%-164.1pp | 119.20%-129.6pp | 519.77%-530.2pp |
| Employer contribution / active EE | $6,045 | $5,152+17.3% | $4,628+30.6% | $4,779+26.5% |
| Participant deferral / active EE | $3,027 | $6,799-55.5% | $6,426-52.9% | $5,609-46.0% |
| Admin fee / account holder | $1,632 | $10,917-85.1% | $9,284-82.4% | $10,829-84.9% |