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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 | $102,472 | $54,355+88.5% | $82,744+23.8% | $68,486+49.6% |
| Participation rate | 73.0% | 63.9%+9.0pp | 72.6%+0.4pp | 67.9%+5.1pp |
| Annual return | -25.03% | -13.67%-11.4pp | 702.22%-727.3pp | -7.85%-17.2pp |
| Employer contribution / active EE | $491 | $2,219-77.9% | $3,008-83.7% | $2,597-81.1% |
| Participant deferral / active EE | $4,191 | $3,246+29.1% | $4,395-4.6% | $4,028+4.0% |
| Admin fee / account holder | $1,310 | $4,397-70.2% | $5,325-75.4% | $5,404-75.8% |