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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 | $29,061 | $57,352-49.3% | $83,831-65.3% | $64,173-54.7% |
| Participation rate | 95.5% | 68.6%+26.8pp | 76.1%+19.3pp | 69.6%+25.9pp |
| Annual return | -9.26% | 11.38%-20.6pp | 850.99%-860.2pp | 7.63%-16.9pp |
| Employer contribution / active EE | $5,539 | $2,546+117.6% | $3,631+52.5% | $2,381+132.6% |
| Participant deferral / active EE | $5,394 | $2,993+80.2% | $4,082+32.1% | $3,470+55.5% |
| Admin fee / account holder | $2,693 | $4,046-33.4% | $5,479-50.8% | $4,887-44.9% |