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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 | $19,330 | $82,674-76.6% | $125,381-84.6% | $68,486-71.8% |
| Participation rate | 87.7% | 75.1%+12.6pp | 82.4%+5.3pp | 67.9%+19.8pp |
| Annual return | -20.44% | -5.97%-14.5pp | 572.31%-592.7pp | -7.85%-12.6pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $13,619 | $6,111+122.9% | $7,448+82.9% | $4,028+238.1% |
| Admin fee / account holder | $1,093 | $6,277-82.6% | $10,007-89.1% | $5,404-79.8% |