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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 | $179,108 | $111,535+60.6% | $105,223+70.2% | $137,256+30.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | -31.35% | 237.85%-269.2pp | 180.65%-212.0pp | 220.34%-251.7pp |
| Employer contribution / active EE | $3,310 | $3,939-16.0% | $3,689-10.3% | $4,156-20.4% |
| Participant deferral / active EE | $8,014 | $5,500+45.7% | $5,072+58.0% | $6,407+25.1% |
| Admin fee / account holder | $3,430 | $9,721-64.7% | $8,859-61.3% | $12,270-72.0% |