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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 | $80,954 | $75,832+6.8% | $147,617-45.2% | $59,633+35.8% |
| Participation rate | 96.7% | 71.6%+25.1pp | 84.6%+12.0pp | 68.7%+28.0pp |
| Annual return | -2.89% | 0.37%-3.3pp | 61.98%-64.9pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $6,019 | $3,485+72.7% | $5,564+8.2% | $2,203+173.3% |
| Participant deferral / active EE | $7,457 | $3,131+138.2% | $4,895+52.3% | $3,192+133.6% |
| Admin fee / account holder | $2,099 | $5,986-64.9% | $11,612-81.9% | $4,297-51.1% |