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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 | $116,946 | $138,102-15.3% | $125,381-6.7% | $134,532-13.1% |
| Participation rate | 77.8% | 84.5%-6.7pp | 82.4%-4.6pp | 81.2%-3.5pp |
| Annual return | -22.12% | 750.73%-772.8pp | 572.31%-594.4pp | 418.27%-440.4pp |
| Employer contribution / active EE | $4,444 | $5,245-15.3% | $4,815-7.7% | $4,741-6.3% |
| Participant deferral / active EE | $14,633 | $7,801+87.6% | $7,448+96.5% | $6,401+128.6% |
| Admin fee / account holder | $9,988 | $11,568-13.7% | $10,007-0.2% | $11,429-12.6% |