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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 | $57,050 | $138,076-58.7% | $123,553-53.8% | $135,380-57.9% |
| Participation rate | 85.7% | 84.7%+1.0pp | 82.3%+3.4pp | 82.6%+3.1pp |
| Annual return | -12.20% | 153.70%-165.9pp | 119.21%-131.4pp | 519.81%-532.0pp |
| Employer contribution / active EE | $13,292 | $5,152+158.0% | $4,628+187.2% | $4,779+178.1% |
| Participant deferral / active EE | $10,113 | $6,800+48.7% | $6,426+57.4% | $5,609+80.3% |
| Admin fee / account holder | $2,604 | $10,917-76.2% | $9,284-72.0% | $10,828-76.0% |