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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 | $71,995 | $82,674-12.9% | $125,381-42.6% | $68,486+5.1% |
| Participation rate | 86.5% | 75.1%+11.4pp | 82.4%+4.1pp | 67.9%+18.6pp |
| Annual return | -19.80% | -5.97%-13.8pp | 572.31%-592.1pp | -7.85%-11.9pp |
| Employer contribution / active EE | $5,726 | $3,382+69.3% | $4,815+18.9% | $2,597+120.5% |
| Participant deferral / active EE | $10,020 | $6,111+64.0% | $7,448+34.5% | $4,028+148.8% |
| Admin fee / account holder | $1,751 | $6,277-72.1% | $10,007-82.5% | $5,404-67.6% |