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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 | $30,337 | $91,537-66.9% | $130,045-76.7% | $75,173-59.6% |
| Participation rate | 100.0% | 71.5%+28.5pp | 78.5%+21.5pp | 67.2%+32.8pp |
| Annual return | 12.21% | -631.55%+643.8pp | -137.30%+149.5pp | 160.72%-148.5pp |
| Employer contribution / active EE | $2,242 | $2,845-21.2% | $4,321-48.1% | $2,671-16.1% |
| Participant deferral / active EE | $2,823 | $4,343-35.0% | $5,820-51.5% | $4,126-31.6% |
| Admin fee / account holder | $2,722 | $6,780-59.9% | $10,600-74.3% | $5,651-51.8% |