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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 | $139,910 | $168,635-17.0% | $147,617-5.2% | $125,389+11.6% |
| Participation rate | 81.8% | 88.8%-7.0pp | 84.6%-2.8pp | 83.2%-1.4pp |
| Annual return | -4.61% | 77.65%-82.3pp | 61.98%-66.6pp | 282.24%-286.9pp |
| Employer contribution / active EE | $3,348 | $6,252-46.4% | $5,564-39.8% | $4,866-31.2% |
| Participant deferral / active EE | $3,459 | $5,507-37.2% | $4,895-29.3% | $5,352-35.4% |
| Admin fee / account holder | $6,195 | $13,580-54.4% | $11,612-46.6% | $9,541-35.1% |