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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 | $93,436 | $75,962+23.0% | $154,108-39.4% | $64,173+45.6% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -8.91% | 30.32%-39.2pp | 735.21%-744.1pp | 7.63%-16.5pp |
| Employer contribution / active EE | $4,136 | $3,350+23.5% | $5,298-21.9% | $2,381+73.7% |
| Participant deferral / active EE | $5,527 | $3,175+74.1% | $5,081+8.8% | $3,470+59.3% |
| Admin fee / account holder | $951 | $5,589-83.0% | $13,411-92.9% | $4,887-80.5% |