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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 | $83,508 | $75,832+10.1% | $147,617-43.4% | $59,633+40.0% |
| Participation rate | 93.2% | 71.6%+21.6pp | 84.6%+8.6pp | 68.7%+24.5pp |
| Annual return | -3.26% | 0.37%-3.6pp | 61.98%-65.2pp | 2041.45%-2044.7pp |
| Employer contribution / active EE | $3,432 | $3,485-1.5% | $5,564-38.3% | $2,203+55.8% |
| Participant deferral / active EE | $3,151 | $3,131+0.6% | $4,895-35.6% | $3,192-1.3% |
| Admin fee / account holder | $2,299 | $5,986-61.6% | $11,612-80.2% | $4,297-46.5% |