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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 | $141,627 | $75,962+86.4% | $154,111-8.1% | $64,173+120.7% |
| Participation rate | 88.5% | 70.4%+18.0pp | 83.0%+5.4pp | 69.6%+18.9pp |
| Annual return | -8.93% | 30.32%-39.3pp | 735.18%-744.1pp | 7.63%-16.6pp |
| Employer contribution / active EE | $8,566 | $3,350+155.7% | $5,298+61.7% | $2,381+259.8% |
| Participant deferral / active EE | $13,543 | $3,175+326.6% | $5,081+166.6% | $3,470+290.3% |
| Admin fee / account holder | $2,320 | $5,589-58.5% | $13,411-82.7% | $4,887-52.5% |