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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 | $19,263 | $48,274-60.1% | $63,244-69.5% | $59,633-67.7% |
| Participation rate | 84.8% | 66.3%+18.5pp | 71.0%+13.8pp | 68.7%+16.2pp |
| Annual return | -3.19% | -240.79%+237.6pp | -70.31%+67.1pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $1,529 | $1,586-3.6% | $2,322-34.1% | $2,203-30.6% |
| Participant deferral / active EE | $1,231 | $2,343-47.5% | $2,953-58.3% | $3,192-61.4% |
| Admin fee / account holder | $727 | $3,600-79.8% | $5,893-87.7% | $4,297-83.1% |