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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 | $88,772 | $82,630+7.4% | $64,105+38.5% | $125,389-29.2% |
| Participation rate | 91.7% | 75.9%+15.8pp | 68.2%+23.5pp | 83.2%+8.5pp |
| Annual return | -8.34% | 1489.72%-1498.1pp | 791.24%-799.6pp | 282.24%-290.6pp |
| Employer contribution / active EE | $1,237 | $2,671-53.7% | $1,820-32.1% | $4,866-74.6% |
| Participant deferral / active EE | $7,674 | $3,608+112.7% | $2,822+172.0% | $5,352+43.4% |
| Admin fee / account holder | $895 | $6,382-86.0% | $4,499-80.1% | $9,541-90.6% |