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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 | $47,569 | $160,059-70.3% | $140,019-66.0% | $135,380-64.9% |
| Participation rate | 91.7% | 88.5%+3.1pp | 87.5%+4.2pp | 82.6%+9.0pp |
| Annual return | -9.95% | 911.48%-921.4pp | 651.17%-661.1pp | 519.81%-529.8pp |
| Employer contribution / active EE | $1,486 | $6,420-76.8% | $5,605-73.5% | $4,779-68.9% |
| Participant deferral / active EE | $5,892 | $7,641-22.9% | $6,927-14.9% | $5,609+5.0% |
| Admin fee / account holder | $2,863 | $13,328-78.5% | $10,705-73.3% | $10,828-73.6% |