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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 | $72,668 | $138,102-47.4% | $125,381-42.0% | $134,532-46.0% |
| Participation rate | 90.0% | 84.5%+5.5pp | 82.4%+7.6pp | 81.2%+8.8pp |
| Annual return | -25.43% | 750.73%-776.2pp | 572.31%-597.7pp | 418.27%-443.7pp |
| Employer contribution / active EE | $16,659 | $5,245+217.6% | $4,815+246.0% | $4,741+251.4% |
| Participant deferral / active EE | $11,465 | $7,801+47.0% | $7,448+53.9% | $6,401+79.1% |
| Admin fee / account holder | $1,551 | $11,568-86.6% | $10,007-84.5% | $11,429-86.4% |