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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 | $55,766 | $133,998-58.4% | $112,263-50.3% | $134,545-58.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -26.04% | 47.17%-73.2pp | 27.49%-53.5pp | 418.37%-444.4pp |
| Employer contribution / active EE | $1,988 | $4,040-50.8% | $3,636-45.3% | $4,742-58.1% |
| Participant deferral / active EE | $4,970 | $5,292-6.1% | $4,729+5.1% | $6,401-22.4% |
| Admin fee / account holder | $546 | $7,493-92.7% | $6,410-91.5% | $11,431-95.2% |