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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 | $37,514 | $77,638-51.7% | $156,551-76.0% | $62,881-40.3% |
| Participation rate | 93.2% | 71.2%+22.0pp | 84.0%+9.2pp | 69.3%+23.9pp |
| Annual return | -4.10% | 50.33%-54.4pp | 32.23%-36.3pp | 20.14%-24.2pp |
| Employer contribution / active EE | $3,240 | $3,444-5.9% | $5,501-41.1% | $2,281+42.0% |
| Participant deferral / active EE | $3,600 | $3,046+18.2% | $4,871-26.1% | $3,203+12.4% |
| Admin fee / account holder | $4,221 | $5,561-24.1% | $13,028-67.6% | $4,296-1.7% |