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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 | $45,109 | $180,462-75.0% | $154,111-70.7% | $135,379-66.7% |
| Participation rate | 78.9% | 87.4%-8.5pp | 83.0%-4.1pp | 82.6%-3.7pp |
| Annual return | -11.20% | 888.17%-899.4pp | 735.18%-746.4pp | 519.79%-531.0pp |
| Employer contribution / active EE | $8,944 | $6,036+48.2% | $5,298+68.8% | $4,779+87.1% |
| Participant deferral / active EE | $6,411 | $5,806+10.4% | $5,081+26.2% | $5,609+14.3% |
| Admin fee / account holder | $1,222 | $16,145-92.4% | $13,411-90.9% | $10,828-88.7% |