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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 | $65,968 | $138,102-52.2% | $125,381-47.4% | $134,532-51.0% |
| Participation rate | 87.5% | 84.5%+3.0pp | 82.4%+5.1pp | 81.2%+6.3pp |
| Annual return | -23.06% | 750.73%-773.8pp | 572.31%-595.4pp | 418.27%-441.3pp |
| Employer contribution / active EE | $2,146 | $5,245-59.1% | $4,815-55.4% | $4,741-54.7% |
| Participant deferral / active EE | $8,818 | $7,801+13.0% | $7,448+18.4% | $6,401+37.8% |
| Admin fee / account holder | $493 | $11,568-95.7% | $10,007-95.1% | $11,429-95.7% |