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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 | $8,343 | $32,117-74.0% | $71,089-88.3% | $64,173-87.0% |
| Participation rate | 92.0% | 42.7%+49.3pp | 54.6%+37.4pp | 69.6%+22.4pp |
| Annual return | -12.74% | -5.57%-7.2pp | 650.65%-663.4pp | 7.63%-20.4pp |
| Employer contribution / active EE | $1,407 | $712+97.6% | $1,088+29.4% | $2,381-40.9% |
| Participant deferral / active EE | $3,070 | $1,263+143.0% | $1,873+63.9% | $3,470-11.5% |
| Admin fee / account holder | $613 | $2,759-77.8% | $3,082-80.1% | $4,887-87.5% |