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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 | $35,258 | $135,645-74.0% | $110,243-68.0% | $135,380-74.0% |
| Participation rate | 90.9% | 83.5%+7.4pp | 79.8%+11.1pp | 82.6%+8.3pp |
| Annual return | -10.97% | 513.24%-524.2pp | 314.76%-325.7pp | 519.81%-530.8pp |
| Employer contribution / active EE | $2,669 | $4,907-45.6% | $3,827-30.3% | $4,779-44.2% |
| Participant deferral / active EE | $5,784 | $5,507+5.0% | $4,672+23.8% | $5,609+3.1% |
| Admin fee / account holder | $869 | $11,458-92.4% | $8,548-89.8% | $10,828-92.0% |