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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 | $19,128 | $48,274-60.4% | $63,244-69.8% | $59,633-67.9% |
| Participation rate | 100.0% | 66.3%+33.7pp | 71.0%+29.0pp | 68.7%+31.3pp |
| Annual return | -2.88% | -240.79%+237.9pp | -70.31%+67.4pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $1,893 | $1,586+19.3% | $2,322-18.5% | $2,203-14.1% |
| Participant deferral / active EE | $3,410 | $2,343+45.5% | $2,953+15.4% | $3,192+6.8% |
| Admin fee / account holder | $1,430 | $3,600-60.3% | $5,893-75.7% | $4,297-66.7% |