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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 | $30,055 | $97,732-69.2% | $83,831-64.1% | $135,380-77.8% |
| Participation rate | 92.3% | 80.0%+12.4pp | 76.1%+16.2pp | 82.6%+9.7pp |
| Annual return | -10.77% | 1287.56%-1298.3pp | 850.99%-861.8pp | 519.81%-530.6pp |
| Employer contribution / active EE | $7,758 | $4,222+83.7% | $3,631+113.6% | $4,779+62.3% |
| Participant deferral / active EE | $4,824 | $4,683+3.0% | $4,082+18.2% | $5,609-14.0% |
| Admin fee / account holder | $3,936 | $6,675-41.0% | $5,479-28.2% | $10,828-63.6% |