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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 | $36,004 | $56,197-35.9% | $67,652-46.8% | $59,633-39.6% |
| Participation rate | 89.4% | 71.5%+17.9pp | 75.7%+13.7pp | 68.7%+20.7pp |
| Annual return | -2.55% | 18508.10%-18510.7pp | 6625.40%-6627.9pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $4,369 | $1,615+170.6% | $2,266+92.9% | $2,203+98.4% |
| Participant deferral / active EE | $1,766 | $2,844-37.9% | $3,560-50.4% | $3,192-44.7% |
| Admin fee / account holder | $2,196 | $3,958-44.5% | $4,821-54.4% | $4,297-48.9% |