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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 | $80,217 | $82,674-3.0% | $125,381-36.0% | $68,486+17.1% |
| Participation rate | 96.4% | 75.1%+21.4pp | 82.4%+14.0pp | 67.9%+28.5pp |
| Annual return | -22.10% | -5.97%-16.1pp | 572.31%-594.4pp | -7.85%-14.2pp |
| Employer contribution / active EE | $2,780 | $3,382-17.8% | $4,815-42.3% | $2,597+7.1% |
| Participant deferral / active EE | $7,827 | $6,111+28.1% | $7,448+5.1% | $4,028+94.3% |
| Admin fee / account holder | $17,669 | $6,277+181.5% | $10,007+76.6% | $5,404+227.0% |