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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 | $31,494 | $78,694-60.0% | $67,652-53.4% | $125,389-74.9% |
| Participation rate | 77.8% | 78.8%-1.0pp | 75.7%+2.1pp | 83.2%-5.4pp |
| Annual return | -3.92% | 9.46%-13.4pp | 6625.40%-6629.3pp | 282.24%-286.2pp |
| Employer contribution / active EE | $1,285 | $3,044-57.8% | $2,266-43.3% | $4,866-73.6% |
| Participant deferral / active EE | $2,583 | $4,292-39.8% | $3,560-27.4% | $5,352-51.7% |
| Admin fee / account holder | $3,964 | $7,403-46.4% | $4,821-17.8% | $9,541-58.4% |