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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 | $64,339 | $97,732-34.2% | $83,831-23.3% | $135,380-52.5% |
| Participation rate | 87.0% | 80.0%+7.0pp | 76.1%+10.8pp | 82.6%+4.3pp |
| Annual return | -11.89% | 1287.56%-1299.4pp | 850.99%-862.9pp | 519.81%-531.7pp |
| Employer contribution / active EE | $4,948 | $4,222+17.2% | $3,631+36.3% | $4,779+3.5% |
| Participant deferral / active EE | $3,816 | $4,683-18.5% | $4,082-6.5% | $5,609-32.0% |
| Admin fee / account holder | $6,873 | $6,675+3.0% | $5,479+25.4% | $10,828-36.5% |