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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 | $76,588 | $56,197+36.3% | $67,652+13.2% | $59,633+28.4% |
| Participation rate | 90.6% | 71.5%+19.2pp | 75.7%+15.0pp | 68.7%+22.0pp |
| Annual return | -2.84% | 18508.10%-18510.9pp | 6625.40%-6628.2pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $1,067 | $1,615-33.9% | $2,266-52.9% | $2,203-51.6% |
| Participant deferral / active EE | $2,365 | $2,844-16.8% | $3,560-33.6% | $3,192-25.9% |
| Admin fee / account holder | $1,227 | $3,958-69.0% | $4,821-74.5% | $4,297-71.4% |