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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 | $31,915 | $138,076-76.9% | $123,553-74.2% | $135,380-76.4% |
| Participation rate | 80.0% | 84.7%-4.7pp | 82.3%-2.3pp | 82.6%-2.6pp |
| Annual return | -32.23% | 153.70%-185.9pp | 119.21%-151.4pp | 519.81%-552.0pp |
| Employer contribution / active EE | $12,757 | $5,152+147.6% | $4,628+175.6% | $4,779+166.9% |
| Participant deferral / active EE | $13,547 | $6,800+99.2% | $6,426+110.8% | $5,609+141.5% |
| Admin fee / account holder | $586 | $10,917-94.6% | $9,284-93.7% | $10,828-94.6% |