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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 | $164,736 | $138,114+19.3% | $125,391+31.4% | $134,545+22.4% |
| Participation rate | 77.8% | 84.5%-6.7pp | 82.4%-4.6pp | 81.2%-3.5pp |
| Annual return | -20.87% | 750.88%-771.8pp | 572.41%-593.3pp | 418.37%-439.2pp |
| Employer contribution / active EE | $3,724 | $5,246-29.0% | $4,816-22.7% | $4,742-21.5% |
| Participant deferral / active EE | $9,450 | $7,801+21.1% | $7,448+26.9% | $6,401+47.6% |
| Admin fee / account holder | $2,441 | $11,570-78.9% | $10,009-75.6% | $11,431-78.6% |