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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 | $61,636 | $45,566+35.3% | $64,105-3.9% | $59,633+3.4% |
| Participation rate | 73.7% | 60.2%+13.5pp | 68.2%+5.5pp | 68.7%+5.0pp |
| Annual return | -3.76% | 4.95%-8.7pp | 791.24%-795.0pp | 2041.45%-2045.2pp |
| Employer contribution / active EE | $6,358 | $934+580.6% | $1,820+249.4% | $2,203+188.7% |
| Participant deferral / active EE | $2,500 | $2,057+21.6% | $2,822-11.4% | $3,192-21.7% |
| Admin fee / account holder | $4,138 | $3,268+26.7% | $4,499-8.0% | $4,297-3.7% |