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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 | $21,256 | $59,111-64.0% | $86,451-75.4% | $68,490-69.0% |
| Participation rate | 96.3% | 75.2%+21.1pp | 80.3%+16.0pp | 67.9%+28.4pp |
| Annual return | -20.02% | -0.22%-19.8pp | 4398.51%-4418.5pp | -7.85%-12.2pp |
| Employer contribution / active EE | $0 | $2,519-100.0% | $3,770-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $9,863 | $5,900+67.2% | $6,953+41.8% | $4,028+144.9% |
| Admin fee / account holder | $2,431 | $5,640-56.9% | $6,734-63.9% | $5,403-55.0% |