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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 | $69,052 | $57,352+20.4% | $83,831-17.6% | $64,173+7.6% |
| Participation rate | 72.4% | 68.6%+3.8pp | 76.1%-3.7pp | 69.6%+2.8pp |
| Annual return | -9.41% | 11.38%-20.8pp | 850.99%-860.4pp | 7.63%-17.0pp |
| Employer contribution / active EE | $7,042 | $2,546+176.6% | $3,631+93.9% | $2,381+195.8% |
| Participant deferral / active EE | $3,694 | $2,993+23.4% | $4,082-9.5% | $3,470+6.5% |
| Admin fee / account holder | $3,431 | $4,046-15.2% | $5,479-37.4% | $4,887-29.8% |