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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 | $101,154 | $160,040-36.8% | $147,096-31.2% | $145,877-30.7% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.8pp | 80.3%-8.9pp |
| Annual return | -1.54% | 98.49%-100.0pp | 419.75%-421.3pp | 551.28%-552.8pp |
| Employer contribution / active EE | $8,472 | $5,289+60.2% | $4,936+71.6% | $4,663+81.7% |
| Participant deferral / active EE | $4,180 | $8,429-50.4% | $8,071-48.2% | $6,691-37.5% |
| Admin fee / account holder | $2,990 | $15,050-80.1% | $13,005-77.0% | $13,402-77.7% |