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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 | $113,947 | $138,102-17.5% | $125,381-9.1% | $134,532-15.3% |
| Participation rate | 88.9% | 84.5%+4.4pp | 82.4%+6.5pp | 81.2%+7.7pp |
| Annual return | -28.20% | 750.73%-778.9pp | 572.31%-600.5pp | 418.27%-446.5pp |
| Employer contribution / active EE | $2,893 | $5,245-44.9% | $4,815-39.9% | $4,741-39.0% |
| Participant deferral / active EE | $8,823 | $7,801+13.1% | $7,448+18.5% | $6,401+37.8% |
| Admin fee / account holder | $2,327 | $11,568-79.9% | $10,007-76.7% | $11,429-79.6% |