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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 | $45,538 | $138,078-67.0% | $125,363-63.7% | $134,509-66.1% |
| Participation rate | 75.0% | 84.5%-9.5pp | 82.4%-7.4pp | 81.2%-6.2pp |
| Annual return | -21.86% | 750.49%-772.3pp | 572.15%-594.0pp | 418.13%-440.0pp |
| Employer contribution / active EE | $4,654 | $5,245-11.3% | $4,815-3.3% | $4,741-1.8% |
| Participant deferral / active EE | $8,434 | $7,800+8.1% | $7,447+13.3% | $6,400+31.8% |
| Admin fee / account holder | $382 | $11,566-96.7% | $10,005-96.2% | $11,427-96.7% |