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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 | $47,158 | $112,933-58.2% | $90,970-48.2% | $158,982-70.3% |
| Participation rate | 75.0% | 74.7%+0.3pp | 69.0%+6.0pp | 82.0%-7.0pp |
| Annual return | -0.07% | 215.82%-215.9pp | 134.60%-134.7pp | 302.99%-303.1pp |
| Employer contribution / active EE | $2,110 | $2,893-27.1% | $2,122-0.6% | $4,763-55.7% |
| Participant deferral / active EE | $6,620 | $4,128+60.4% | $3,373+96.3% | $5,983+10.6% |
| Admin fee / account holder | $440 | $8,047-94.5% | $5,961-92.6% | $11,252-96.1% |