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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 | $40,961 | $56,199-27.1% | $67,652-39.5% | $59,632-31.3% |
| Participation rate | 78.8% | 71.5%+7.4pp | 75.7%+3.2pp | 68.7%+10.2pp |
| Annual return | -2.56% | 18505.31%-18507.9pp | 6625.04%-6627.6pp | 2041.32%-2043.9pp |
| Employer contribution / active EE | $815 | $1,614-49.5% | $2,266-64.0% | $2,203-63.0% |
| Participant deferral / active EE | $2,963 | $2,844+4.2% | $3,560-16.8% | $3,192-7.2% |
| Admin fee / account holder | $5,389 | $3,958+36.2% | $4,821+11.8% | $4,297+25.4% |