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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 | $35,014 | $45,152-22.5% | $73,836-52.6% | $59,633-41.3% |
| Participation rate | 100.0% | 64.0%+36.0pp | 73.4%+26.6pp | 68.7%+31.3pp |
| Annual return | -2.69% | 27.40%-30.1pp | 2268.06%-2270.7pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $5,780 | $1,901+204.0% | $2,787+107.4% | $2,203+162.4% |
| Participant deferral / active EE | $3,837 | $2,573+49.1% | $3,583+7.1% | $3,192+20.2% |
| Admin fee / account holder | $4,103 | $3,515+16.7% | $4,882-16.0% | $4,297-4.5% |