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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 | $32,619 | $82,288-60.4% | $68,794-52.6% | $134,509-75.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 69.0%+31.0pp | 81.2%+18.8pp |
| Annual return | -24.23% | -2.19%-22.0pp | -6.37%-17.9pp | 418.13%-442.4pp |
| Employer contribution / active EE | $2,498 | $3,301-24.3% | $2,656-5.9% | $4,741-47.3% |
| Participant deferral / active EE | $9,114 | $4,738+92.3% | $3,941+131.3% | $6,400+42.4% |
| Admin fee / account holder | $774 | $6,482-88.1% | $4,934-84.3% | $11,427-93.2% |