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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 | $19,613 | $138,102-85.8% | $125,381-84.4% | $134,532-85.4% |
| Participation rate | 92.3% | 84.5%+7.8pp | 82.4%+9.9pp | 81.2%+11.1pp |
| Annual return | -23.01% | 750.73%-773.7pp | 572.31%-595.3pp | 418.27%-441.3pp |
| Employer contribution / active EE | $2,232 | $5,245-57.5% | $4,815-53.7% | $4,741-52.9% |
| Participant deferral / active EE | $4,425 | $7,801-43.3% | $7,448-40.6% | $6,401-30.9% |
| Admin fee / account holder | $568 | $11,568-95.1% | $10,007-94.3% | $11,429-95.0% |