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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 | $33,876 | $97,732-65.3% | $83,831-59.6% | $135,380-75.0% |
| Participation rate | 75.0% | 80.0%-5.0pp | 76.1%-1.1pp | 82.6%-7.6pp |
| Annual return | -10.24% | 1287.56%-1297.8pp | 850.99%-861.2pp | 519.81%-530.0pp |
| Employer contribution / active EE | $2,638 | $4,222-37.5% | $3,631-27.4% | $4,779-44.8% |
| Participant deferral / active EE | $1,907 | $4,683-59.3% | $4,082-53.3% | $5,609-66.0% |
| Admin fee / account holder | $523 | $6,675-92.2% | $5,479-90.5% | $10,828-95.2% |