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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 | $12,640 | $49,177-74.3% | $79,466-84.1% | $64,173-80.3% |
| Participation rate | 92.4% | 65.0%+27.4pp | 73.3%+19.1pp | 69.6%+22.9pp |
| Annual return | -15.69% | -1.16%-14.5pp | 718.28%-734.0pp | 7.63%-23.3pp |
| Employer contribution / active EE | $2,571 | $2,076+23.8% | $2,800-8.2% | $2,381+8.0% |
| Participant deferral / active EE | $3,535 | $2,821+25.3% | $3,704-4.6% | $3,470+1.9% |
| Admin fee / account holder | $666 | $3,839-82.6% | $5,104-86.9% | $4,887-86.4% |