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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 | $34,508 | $138,102-75.0% | $125,381-72.5% | $134,532-74.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -24.82% | 750.73%-775.5pp | 572.31%-597.1pp | 418.27%-443.1pp |
| Employer contribution / active EE | $3,037 | $5,245-42.1% | $4,815-36.9% | $4,741-35.9% |
| Participant deferral / active EE | $15,075 | $7,801+93.3% | $7,448+102.4% | $6,401+135.5% |
| Admin fee / account holder | $1,760 | $11,568-84.8% | $10,007-82.4% | $11,429-84.6% |