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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 | $21,292 | $39,798-46.5% | $67,704-68.6% | $59,633-64.3% |
| Participation rate | 93.8% | 57.4%+36.4pp | 67.5%+26.2pp | 68.7%+25.1pp |
| Annual return | -5.05% | 89.94%-95.0pp | 25.41%-30.5pp | 2041.45%-2046.5pp |
| Employer contribution / active EE | $1,730 | $1,393+24.2% | $2,559-32.4% | $2,203-21.5% |
| Participant deferral / active EE | $1,836 | $2,335-21.4% | $3,585-48.8% | $3,192-42.5% |
| Admin fee / account holder | $933 | $3,212-71.0% | $4,255-78.1% | $4,297-78.3% |