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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 | $36,819 | $77,638-52.6% | $156,551-76.5% | $62,881-41.4% |
| Participation rate | 96.3% | 71.2%+25.1pp | 84.0%+12.3pp | 69.3%+27.0pp |
| Annual return | -4.91% | 50.33%-55.2pp | 32.23%-37.1pp | 20.14%-25.1pp |
| Employer contribution / active EE | $2,645 | $3,444-23.2% | $5,501-51.9% | $2,281+16.0% |
| Participant deferral / active EE | $6,109 | $3,046+100.6% | $4,871+25.4% | $3,203+90.7% |
| Admin fee / account holder | $835 | $5,561-85.0% | $13,028-93.6% | $4,296-80.6% |