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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 | $151,564 | $115,810+30.9% | $101,271+49.7% | $158,966-4.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | -13.63% | 56.15%-69.8pp | 46.48%-60.1pp | 302.95%-316.6pp |
| Employer contribution / active EE | $2,801 | $4,175-32.9% | $3,660-23.5% | $4,762-41.2% |
| Participant deferral / active EE | $18,071 | $4,958+264.5% | $4,371+313.5% | $5,983+202.0% |
| Admin fee / account holder | $1,553 | $7,248-78.6% | $5,948-73.9% | $11,250-86.2% |