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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 | $34,840 | $125,237-72.2% | $105,608-67.0% | $145,877-76.1% |
| Participation rate | 100.0% | 77.7%+22.3pp | 75.3%+24.7pp | 80.3%+19.7pp |
| Annual return | -17.20% | 225.76%-243.0pp | 116.50%-133.7pp | 551.28%-568.5pp |
| Employer contribution / active EE | $1,986 | $3,720-46.6% | $3,167-37.3% | $4,663-57.4% |
| Participant deferral / active EE | $12,763 | $5,711+123.5% | $5,010+154.8% | $6,691+90.8% |
| Admin fee / account holder | $7,053 | $17,287-59.2% | $11,028-36.0% | $13,402-47.4% |