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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 | $22,553 | $124,175-81.8% | $108,405-79.2% | $167,553-86.5% |
| Participation rate | 87.5% | 82.3%+5.2pp | 80.1%+7.4pp | 82.1%+5.4pp |
| Annual return | -1.82% | 1380.13%-1381.9pp | 905.55%-907.4pp | 478.89%-480.7pp |
| Employer contribution / active EE | $4,183 | $4,188-0.1% | $3,559+17.5% | $4,840-13.6% |
| Participant deferral / active EE | $3,136 | $6,908-54.6% | $6,563-52.2% | $6,343-50.6% |
| Admin fee / account holder | $480 | $9,457-94.9% | $7,297-93.4% | $12,316-96.1% |