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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 | $87,978 | $180,459-51.2% | $154,108-42.9% | $135,380-35.0% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -10.12% | 888.21%-898.3pp | 735.21%-745.3pp | 519.81%-529.9pp |
| Employer contribution / active EE | $3,985 | $6,035-34.0% | $5,298-24.8% | $4,779-16.6% |
| Participant deferral / active EE | $2,549 | $5,806-56.1% | $5,081-49.8% | $5,609-54.6% |
| Admin fee / account holder | $4,740 | $16,145-70.6% | $13,411-64.7% | $10,828-56.2% |