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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 | $24,592 | $57,352-57.1% | $83,831-70.7% | $64,173-61.7% |
| Participation rate | 77.4% | 68.6%+8.8pp | 76.1%+1.3pp | 69.6%+7.8pp |
| Annual return | -8.84% | 11.38%-20.2pp | 850.99%-859.8pp | 7.63%-16.5pp |
| Employer contribution / active EE | $2,496 | $2,546-2.0% | $3,631-31.3% | $2,381+4.8% |
| Participant deferral / active EE | $4,005 | $2,993+33.8% | $4,082-1.9% | $3,470+15.4% |
| Admin fee / account holder | $781 | $4,046-80.7% | $5,479-85.7% | $4,887-84.0% |