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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 | $28,865 | $135,645-78.7% | $110,243-73.8% | $135,379-78.7% |
| Participation rate | 90.9% | 83.5%+7.4pp | 79.8%+11.1pp | 82.6%+8.3pp |
| Annual return | -11.69% | 513.24%-524.9pp | 314.76%-326.4pp | 519.79%-531.5pp |
| Employer contribution / active EE | $5,760 | $4,907+17.4% | $3,827+50.5% | $4,779+20.5% |
| Participant deferral / active EE | $7,660 | $5,507+39.1% | $4,672+64.0% | $5,609+36.6% |
| Admin fee / account holder | $968 | $11,458-91.6% | $8,548-88.7% | $10,828-91.1% |