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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 | $68,620 | $190,879-64.1% | $160,009-57.1% | $134,532-49.0% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.0%+22.0pp | 81.2%+18.8pp |
| Annual return | -20.64% | 552.63%-573.3pp | 408.85%-429.5pp | 418.27%-438.9pp |
| Employer contribution / active EE | $3,592 | $4,995-28.1% | $4,225-15.0% | $4,741-24.2% |
| Participant deferral / active EE | $3,825 | $6,924-44.8% | $6,183-38.1% | $6,401-40.2% |
| Admin fee / account holder | $740 | $10,495-93.0% | $8,715-91.5% | $11,429-93.5% |