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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 | $30,587 | $133,998-77.2% | $112,263-72.8% | $134,545-77.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -21.27% | 47.17%-68.4pp | 27.49%-48.8pp | 418.37%-439.6pp |
| Employer contribution / active EE | $2,880 | $4,040-28.7% | $3,636-20.8% | $4,742-39.3% |
| Participant deferral / active EE | $6,478 | $5,292+22.4% | $4,729+37.0% | $6,401+1.2% |
| Admin fee / account holder | $14,153 | $7,493+88.9% | $6,410+120.8% | $11,431+23.8% |