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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 | $62,236 | $209,425-70.3% | $178,499-65.1% | $158,966-60.8% |
| Participation rate | 90.0% | 86.4%+3.6pp | 81.9%+8.1pp | 82.0%+8.0pp |
| Annual return | -1.12% | 188.80%-189.9pp | 151.10%-152.2pp | 302.95%-304.1pp |
| Employer contribution / active EE | $2,225 | $5,707-61.0% | $5,011-55.6% | $4,762-53.3% |
| Participant deferral / active EE | $7,710 | $5,955+29.5% | $5,202+48.2% | $5,983+28.9% |
| Admin fee / account holder | $15,651 | $17,078-8.4% | $13,986+11.9% | $11,250+39.1% |