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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 | $24,573 | $138,114-82.2% | $125,391-80.4% | $134,545-81.7% |
| Participation rate | 94.7% | 84.5%+10.2pp | 82.4%+12.4pp | 81.2%+13.5pp |
| Annual return | -20.85% | 750.88%-771.7pp | 572.41%-593.3pp | 418.37%-439.2pp |
| Employer contribution / active EE | $2,674 | $5,246-49.0% | $4,816-44.5% | $4,742-43.6% |
| Participant deferral / active EE | $8,382 | $7,801+7.5% | $7,448+12.5% | $6,401+30.9% |
| Admin fee / account holder | $1,793 | $11,570-84.5% | $10,009-82.1% | $11,431-84.3% |