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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 | $83,419 | $95,415-12.6% | $185,851-55.1% | $85,851-2.8% |
| Participation rate | 92.3% | 68.8%+23.5pp | 81.7%+10.6pp | 69.3%+23.0pp |
| Annual return | -18.04% | 23.59%-41.6pp | 122.11%-140.2pp | 318.63%-336.7pp |
| Employer contribution / active EE | $9,155 | $3,314+176.3% | $5,168+77.1% | $2,565+256.8% |
| Participant deferral / active EE | $5,206 | $3,424+52.1% | $5,569-6.5% | $3,952+31.7% |
| Admin fee / account holder | $1,547 | $7,215-78.6% | $16,245-90.5% | $6,261-75.3% |