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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 | $20,435 | $138,114-85.2% | $125,391-83.7% | $134,545-84.8% |
| Participation rate | 77.8% | 84.5%-6.7pp | 82.4%-4.6pp | 81.2%-3.5pp |
| Annual return | -27.48% | 750.88%-778.4pp | 572.41%-599.9pp | 418.37%-445.8pp |
| Employer contribution / active EE | $2,486 | $5,246-52.6% | $4,816-48.4% | $4,742-47.6% |
| Participant deferral / active EE | $11,726 | $7,801+50.3% | $7,448+57.4% | $6,401+83.2% |
| Admin fee / account holder | $1,235 | $11,570-89.3% | $10,009-87.7% | $11,431-89.2% |