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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 | $16,835 | $59,111-71.5% | $86,451-80.5% | $68,490-75.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -20.13% | -0.22%-19.9pp | 4398.51%-4418.6pp | -7.85%-12.3pp |
| Employer contribution / active EE | $3,250 | $2,519+29.0% | $3,770-13.8% | $2,597+25.1% |
| Participant deferral / active EE | $5,137 | $5,900-12.9% | $6,953-26.1% | $4,028+27.5% |
| Admin fee / account holder | $1,753 | $5,640-68.9% | $6,734-74.0% | $5,403-67.5% |