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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 | $31,559 | $97,732-67.7% | $83,831-62.4% | $135,380-76.7% |
| Participation rate | 75.0% | 80.0%-5.0pp | 76.1%-1.1pp | 82.6%-7.6pp |
| Annual return | -13.52% | 1287.56%-1301.1pp | 850.99%-864.5pp | 519.81%-533.3pp |
| Employer contribution / active EE | $8,222 | $4,222+94.7% | $3,631+126.4% | $4,779+72.0% |
| Participant deferral / active EE | $5,752 | $4,683+22.8% | $4,082+40.9% | $5,609+2.6% |
| Admin fee / account holder | $1,304 | $6,675-80.5% | $5,479-76.2% | $10,828-88.0% |