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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 | $38,069 | $57,350-33.6% | $83,850-54.6% | $64,181-40.7% |
| Participation rate | 84.4% | 68.6%+15.8pp | 76.1%+8.2pp | 69.6%+14.8pp |
| Annual return | -14.17% | 11.38%-25.6pp | 850.92%-865.1pp | 7.63%-21.8pp |
| Employer contribution / active EE | $12,029 | $2,545+372.6% | $3,631+231.3% | $2,381+405.3% |
| Participant deferral / active EE | $1,241 | $2,993-58.5% | $4,082-69.6% | $3,470-64.2% |
| Admin fee / account holder | $1,658 | $4,046-59.0% | $5,478-69.7% | $4,887-66.1% |