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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 | $19,799 | $57,352-65.5% | $83,831-76.4% | $64,173-69.1% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | -14.16% | 11.38%-25.5pp | 850.99%-865.1pp | 7.63%-21.8pp |
| Employer contribution / active EE | $2,787 | $2,546+9.5% | $3,631-23.3% | $2,381+17.0% |
| Participant deferral / active EE | $6,734 | $2,993+125.0% | $4,082+65.0% | $3,470+94.1% |
| Admin fee / account holder | $626 | $4,046-84.5% | $5,479-88.6% | $4,887-87.2% |