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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 | $199,287 | $75,962+162.4% | $154,108+29.3% | $64,173+210.5% |
| Participation rate | 80.0% | 70.4%+9.6pp | 83.0%-3.0pp | 69.6%+10.4pp |
| Annual return | -8.17% | 30.32%-38.5pp | 735.21%-743.4pp | 7.63%-15.8pp |
| Employer contribution / active EE | $5,927 | $3,350+76.9% | $5,298+11.9% | $2,381+148.9% |
| Participant deferral / active EE | $5,650 | $3,175+78.0% | $5,081+11.2% | $3,470+62.8% |
| Admin fee / account holder | $24,960 | $5,589+346.6% | $13,411+86.1% | $4,887+410.7% |