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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 | $16,678 | $88,585-81.2% | $69,884-76.1% | $134,532-87.6% |
| Participation rate | 84.2% | 74.9%+9.3pp | 70.5%+13.7pp | 81.2%+3.0pp |
| Annual return | -21.83% | 442.80%-464.6pp | 190.81%-212.6pp | 418.27%-440.1pp |
| Employer contribution / active EE | $2,060 | $3,235-36.3% | $2,560-19.5% | $4,741-56.5% |
| Participant deferral / active EE | $2,865 | $4,770-39.9% | $3,848-25.5% | $6,401-55.2% |
| Admin fee / account holder | $1,151 | $10,441-89.0% | $6,266-81.6% | $11,429-89.9% |