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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 | $52,465 | $95,979-45.3% | $74,551-29.6% | $135,380-61.2% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -10.03% | 56.97%-67.0pp | 32.53%-42.6pp | 519.81%-529.8pp |
| Employer contribution / active EE | $1,729 | $2,716-36.4% | $1,961-11.9% | $4,779-63.8% |
| Participant deferral / active EE | $2,426 | $3,844-36.9% | $3,108-22.0% | $5,609-56.8% |
| Admin fee / account holder | $4,260 | $6,522-34.7% | $5,059-15.8% | $10,828-60.7% |