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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 | $58,396 | $135,956-57.0% | $123,894-52.9% | $273,972-78.7% |
| Participation rate | 90.9% | 84.1%+6.8pp | 81.4%+9.5pp | 83.0%+7.9pp |
| Annual return | -2.19% | 56.63%-58.8pp | 47.52%-49.7pp | 41.46%-43.6pp |
| Employer contribution / active EE | $1,904 | $5,170-63.2% | $4,617-58.8% | $4,869-60.9% |
| Participant deferral / active EE | $3,419 | $6,343-46.1% | $5,984-42.9% | $5,287-35.3% |
| Admin fee / account holder | $1,059 | $9,817-89.2% | $8,357-87.3% | $10,133-89.6% |