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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 | $56,484 | $168,635-66.5% | $147,617-61.7% | $125,389-55.0% |
| Participation rate | 75.0% | 88.8%-13.8pp | 84.6%-9.6pp | 83.2%-8.2pp |
| Annual return | -5.25% | 77.65%-82.9pp | 61.98%-67.2pp | 282.24%-287.5pp |
| Employer contribution / active EE | $3,448 | $6,252-44.9% | $5,564-38.0% | $4,866-29.1% |
| Participant deferral / active EE | $5,117 | $5,507-7.1% | $4,895+4.5% | $5,352-4.4% |
| Admin fee / account holder | $760 | $13,580-94.4% | $11,612-93.5% | $9,541-92.0% |