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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 | $78,103 | $99,079-21.2% | $78,002+0.1% | $273,972-71.5% |
| Participation rate | 79.2% | 78.6%+0.6pp | 75.5%+3.6pp | 83.0%-3.8pp |
| Annual return | -1.96% | 217.93%-219.9pp | 425.99%-427.9pp | 41.46%-43.4pp |
| Employer contribution / active EE | $0 | $3,308-100.0% | $2,470-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,475 | $4,306-42.5% | $3,497-29.2% | $5,287-53.2% |
| Admin fee / account holder | $2,989 | $8,954-66.6% | $5,481-45.5% | $10,133-70.5% |