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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 | $80,146 | $75,962+5.5% | $154,108-48.0% | $64,173+24.9% |
| Participation rate | 91.4% | 70.4%+21.0pp | 83.0%+8.4pp | 69.6%+21.9pp |
| Annual return | -8.08% | 30.32%-38.4pp | 735.21%-743.3pp | 7.63%-15.7pp |
| Employer contribution / active EE | $13,041 | $3,350+289.3% | $5,298+146.2% | $2,381+447.8% |
| Participant deferral / active EE | $8,063 | $3,175+154.0% | $5,081+58.7% | $3,470+132.4% |
| Admin fee / account holder | $3,138 | $5,589-43.9% | $13,411-76.6% | $4,887-35.8% |