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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 | $69,745 | $72,404-3.7% | $110,243-36.7% | $64,173+8.7% |
| Participation rate | 93.5% | 73.3%+20.1pp | 79.8%+13.7pp | 69.6%+23.9pp |
| Annual return | -9.69% | -6.29%-3.4pp | 314.76%-324.4pp | 7.63%-17.3pp |
| Employer contribution / active EE | $3,556 | $2,282+55.8% | $3,827-7.1% | $2,381+49.3% |
| Participant deferral / active EE | $3,809 | $3,469+9.8% | $4,672-18.5% | $3,470+9.8% |
| Admin fee / account holder | $1,252 | $5,664-77.9% | $8,548-85.3% | $4,887-74.4% |