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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 | $66,811 | $57,352+16.5% | $83,830-20.3% | $64,173+4.1% |
| Participation rate | 97.7% | 68.6%+29.1pp | 76.1%+21.6pp | 69.6%+28.2pp |
| Annual return | -9.07% | 11.38%-20.5pp | 850.97%-860.0pp | 7.63%-16.7pp |
| Employer contribution / active EE | $5,214 | $2,546+104.8% | $3,631+43.6% | $2,381+119.0% |
| Participant deferral / active EE | $5,358 | $2,993+79.0% | $4,082+31.3% | $3,470+54.4% |
| Admin fee / account holder | $914 | $4,046-77.4% | $5,479-83.3% | $4,887-81.3% |