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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 | $17,630 | $90,607-80.5% | $79,467-77.8% | $135,380-87.0% |
| Participation rate | 85.7% | 76.0%+9.7pp | 73.3%+12.4pp | 82.6%+3.1pp |
| Annual return | -38.58% | 977.74%-1016.3pp | 718.30%-756.9pp | 519.81%-558.4pp |
| Employer contribution / active EE | $7,347 | $3,068+139.5% | $2,800+162.4% | $4,779+53.7% |
| Participant deferral / active EE | $4,029 | $4,050-0.5% | $3,704+8.8% | $5,609-28.2% |
| Admin fee / account holder | $841 | $5,895-85.7% | $5,104-83.5% | $10,828-92.2% |