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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 | $105,550 | $75,962+39.0% | $154,108-31.5% | $64,173+64.5% |
| Participation rate | 98.0% | 70.4%+27.6pp | 83.0%+15.0pp | 69.6%+28.4pp |
| Annual return | -8.18% | 30.32%-38.5pp | 735.21%-743.4pp | 7.63%-15.8pp |
| Employer contribution / active EE | $7,804 | $3,350+133.0% | $5,298+47.3% | $2,381+227.8% |
| Participant deferral / active EE | $5,103 | $3,175+60.7% | $5,081+0.4% | $3,470+47.1% |
| Admin fee / account holder | $1,230 | $5,589-78.0% | $13,411-90.8% | $4,887-74.8% |