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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 | $31,849 | $138,102-76.9% | $125,381-74.6% | $134,532-76.3% |
| Participation rate | 95.2% | 84.5%+10.7pp | 82.4%+12.9pp | 81.2%+14.0pp |
| Annual return | -26.12% | 750.73%-776.9pp | 572.31%-598.4pp | 418.27%-444.4pp |
| Employer contribution / active EE | $7,012 | $5,245+33.7% | $4,815+45.6% | $4,741+47.9% |
| Participant deferral / active EE | $8,522 | $7,801+9.3% | $7,448+14.4% | $6,401+33.1% |
| Admin fee / account holder | $314 | $11,568-97.3% | $10,007-96.9% | $11,429-97.2% |