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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 | $52,963 | $59,107-10.4% | $86,439-38.7% | $68,495-22.7% |
| Participation rate | 97.1% | 75.2%+21.8pp | 80.3%+16.7pp | 67.9%+29.2pp |
| Annual return | -20.99% | -0.23%-20.8pp | 4395.55%-4416.5pp | -7.84%-13.2pp |
| Employer contribution / active EE | $7,368 | $2,519+192.5% | $3,769+95.5% | $2,596+183.8% |
| Participant deferral / active EE | $11,135 | $5,901+88.7% | $6,952+60.2% | $4,028+176.5% |
| Admin fee / account holder | $1,727 | $5,637-69.4% | $6,732-74.3% | $5,403-68.0% |