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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 | $23,144 | $75,962-69.5% | $154,108-85.0% | $64,173-63.9% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -9.46% | 30.32%-39.8pp | 735.21%-744.7pp | 7.63%-17.1pp |
| Employer contribution / active EE | $5,591 | $3,350+66.9% | $5,298+5.5% | $2,381+134.9% |
| Participant deferral / active EE | $3,445 | $3,175+8.5% | $5,081-32.2% | $3,470-0.7% |
| Admin fee / account holder | $1,910 | $5,589-65.8% | $13,411-85.8% | $4,887-60.9% |