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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 | $29,501 | $104,106-71.7% | $71,086-58.5% | $135,379-78.2% |
| Participation rate | 80.0% | 65.7%+14.3pp | 54.7%+25.3pp | 82.6%-2.6pp |
| Annual return | -14.42% | 1256.30%-1270.7pp | 650.59%-665.0pp | 519.79%-534.2pp |
| Employer contribution / active EE | $5,707 | $1,485+284.4% | $1,088+424.7% | $4,779+19.4% |
| Participant deferral / active EE | $11,463 | $2,527+353.6% | $1,874+511.6% | $5,609+104.4% |
| Admin fee / account holder | $2,913 | $4,142-29.7% | $3,082-5.5% | $10,828-73.1% |