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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 | $59,298 | $82,674-28.3% | $125,381-52.7% | $68,486-13.4% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.4%+17.6pp | 67.9%+32.1pp |
| Annual return | -21.40% | -5.97%-15.4pp | 572.31%-593.7pp | -7.85%-13.5pp |
| Employer contribution / active EE | $2,568 | $3,382-24.1% | $4,815-46.7% | $2,597-1.1% |
| Participant deferral / active EE | $9,305 | $6,111+52.3% | $7,448+24.9% | $4,028+131.0% |
| Admin fee / account holder | $1,095 | $6,277-82.5% | $10,007-89.1% | $5,404-79.7% |