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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 | $96,660 | $75,959+27.3% | $154,114-37.3% | $64,181+50.6% |
| Participation rate | 86.2% | 70.4%+15.8pp | 83.0%+3.2pp | 69.6%+16.6pp |
| Annual return | -9.82% | 30.32%-40.1pp | 735.16%-745.0pp | 7.63%-17.5pp |
| Employer contribution / active EE | $4,313 | $3,350+28.7% | $5,298-18.6% | $2,381+81.1% |
| Participant deferral / active EE | $7,058 | $3,175+122.3% | $5,081+38.9% | $3,470+103.4% |
| Admin fee / account holder | $577 | $5,589-89.7% | $13,411-95.7% | $4,887-88.2% |