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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 | $80,120 | $112,935-29.1% | $90,970-11.9% | $158,966-49.6% |
| Participation rate | 85.7% | 74.7%+11.0pp | 69.0%+16.7pp | 82.0%+3.8pp |
| Annual return | -4.60% | 215.79%-220.4pp | 134.58%-139.2pp | 302.95%-307.6pp |
| Employer contribution / active EE | $16,703 | $2,895+477.0% | $2,122+686.9% | $4,762+250.7% |
| Participant deferral / active EE | $2,503 | $4,129-39.4% | $3,373-25.8% | $5,983-58.2% |
| Admin fee / account holder | $23,333 | $8,045+190.0% | $5,960+291.5% | $11,250+107.4% |