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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 | $25,977 | $138,102-81.2% | $125,381-79.3% | $134,532-80.7% |
| Participation rate | 80.0% | 84.5%-4.5pp | 82.4%-2.4pp | 81.2%-1.2pp |
| Annual return | -28.37% | 750.73%-779.1pp | 572.31%-600.7pp | 418.27%-446.6pp |
| Employer contribution / active EE | $1,759 | $5,245-66.5% | $4,815-63.5% | $4,741-62.9% |
| Participant deferral / active EE | $11,158 | $7,801+43.0% | $7,448+49.8% | $6,401+74.3% |
| Admin fee / account holder | $659 | $11,568-94.3% | $10,007-93.4% | $11,429-94.2% |