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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 | $46,333 | $97,732-52.6% | $83,831-44.7% | $135,380-65.8% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -10.98% | 1287.56%-1298.5pp | 850.99%-862.0pp | 519.81%-530.8pp |
| Employer contribution / active EE | $2,822 | $4,222-33.2% | $3,631-22.3% | $4,779-40.9% |
| Participant deferral / active EE | $7,266 | $4,683+55.2% | $4,082+78.0% | $5,609+29.5% |
| Admin fee / account holder | $1,740 | $6,675-73.9% | $5,479-68.2% | $10,828-83.9% |