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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 | $25,203 | $97,729-74.2% | $83,830-69.9% | $135,379-81.4% |
| Participation rate | 72.7% | 80.0%-7.2pp | 76.1%-3.4pp | 82.6%-9.9pp |
| Annual return | -9.66% | 1287.52%-1297.2pp | 850.97%-860.6pp | 519.79%-529.4pp |
| Employer contribution / active EE | $2,115 | $4,222-49.9% | $3,631-41.8% | $4,779-55.7% |
| Participant deferral / active EE | $3,833 | $4,683-18.1% | $4,082-6.1% | $5,609-31.7% |
| Admin fee / account holder | $433 | $6,674-93.5% | $5,479-92.1% | $10,828-96.0% |