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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 | $16,882 | $149,040-88.7% | $120,225-86.0% | $137,256-87.7% |
| Participation rate | 75.0% | 75.4%-0.4pp | 69.6%+5.4pp | 80.0%-5.0pp |
| Annual return | -4.12% | 605.68%-609.8pp | 439.23%-443.3pp | 220.34%-224.5pp |
| Employer contribution / active EE | $786 | $4,350-81.9% | $3,475-77.4% | $4,156-81.1% |
| Participant deferral / active EE | $4,379 | $4,655-5.9% | $3,999+9.5% | $6,407-31.6% |
| Admin fee / account holder | $2,484 | $6,348-60.9% | $5,696-56.4% | $12,270-79.8% |