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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 | $18,097 | $59,111-69.4% | $86,451-79.1% | $68,490-73.6% |
| Participation rate | 92.5% | 75.2%+17.3pp | 80.3%+12.2pp | 67.9%+24.6pp |
| Annual return | -21.12% | -0.22%-20.9pp | 4398.51%-4419.6pp | -7.85%-13.3pp |
| Employer contribution / active EE | $941 | $2,519-62.6% | $3,770-75.0% | $2,597-63.8% |
| Participant deferral / active EE | $5,489 | $5,900-7.0% | $6,953-21.1% | $4,028+36.3% |
| Admin fee / account holder | $1,254 | $5,640-77.8% | $6,734-81.4% | $5,403-76.8% |