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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 | $115,493 | $82,678+39.7% | $125,391-7.9% | $68,490+68.6% |
| Participation rate | 90.9% | 75.1%+15.8pp | 82.4%+8.5pp | 67.9%+23.0pp |
| Annual return | -26.74% | -5.97%-20.8pp | 572.41%-599.2pp | -7.85%-18.9pp |
| Employer contribution / active EE | $2,021 | $3,382-40.2% | $4,816-58.0% | $2,597-22.2% |
| Participant deferral / active EE | $5,947 | $6,111-2.7% | $7,448-20.2% | $4,028+47.6% |
| Admin fee / account holder | $17,158 | $6,277+173.3% | $10,009+71.4% | $5,403+217.6% |