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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 | $27,219 | $57,352-52.5% | $83,830-67.5% | $64,173-57.6% |
| Participation rate | 88.0% | 68.6%+19.4pp | 76.1%+11.9pp | 69.6%+18.4pp |
| Annual return | -10.21% | 11.38%-21.6pp | 850.97%-861.2pp | 7.63%-17.8pp |
| Employer contribution / active EE | $2,698 | $2,546+6.0% | $3,631-25.7% | $2,381+13.3% |
| Participant deferral / active EE | $5,537 | $2,993+85.0% | $4,082+35.7% | $3,470+59.6% |
| Admin fee / account holder | $441 | $4,046-89.1% | $5,479-91.9% | $4,887-91.0% |