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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 | $17,647 | $97,729-81.9% | $83,830-78.9% | $135,379-87.0% |
| Participation rate | 89.5% | 80.0%+9.5pp | 76.1%+13.3pp | 82.6%+6.8pp |
| Annual return | -11.67% | 1287.52%-1299.2pp | 850.97%-862.6pp | 519.79%-531.5pp |
| Employer contribution / active EE | $3,791 | $4,222-10.2% | $3,631+4.4% | $4,779-20.7% |
| Participant deferral / active EE | $4,210 | $4,683-10.1% | $4,082+3.1% | $5,609-24.9% |
| Admin fee / account holder | $501 | $6,674-92.5% | $5,479-90.9% | $10,828-95.4% |