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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 | $81,248 | $131,835-38.4% | $108,582-25.2% | $273,972-70.3% |
| Participation rate | 95.2% | 83.5%+11.8pp | 79.6%+15.7pp | 83.0%+12.2pp |
| Annual return | -2.25% | -91.57%+89.3pp | -51.70%+49.4pp | 41.46%-43.7pp |
| Employer contribution / active EE | $12,139 | $4,913+147.1% | $3,758+223.0% | $4,869+149.3% |
| Participant deferral / active EE | $13,132 | $5,127+156.1% | $4,311+204.6% | $5,287+148.4% |
| Admin fee / account holder | $5,691 | $10,253-44.5% | $7,645-25.6% | $10,133-43.8% |