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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 | $42,881 | $180,462-76.2% | $154,111-72.2% | $135,379-68.3% |
| Participation rate | 87.5% | 87.4%+0.1pp | 83.0%+4.5pp | 82.6%+4.9pp |
| Annual return | -13.19% | 888.17%-901.4pp | 735.18%-748.4pp | 519.79%-533.0pp |
| Employer contribution / active EE | $2,730 | $6,036-54.8% | $5,298-48.5% | $4,779-42.9% |
| Participant deferral / active EE | $7,430 | $5,806+28.0% | $5,081+46.2% | $5,609+32.5% |
| Admin fee / account holder | $452 | $16,145-97.2% | $13,411-96.6% | $10,828-95.8% |