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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 | $43,629 | $138,076-68.4% | $123,553-64.7% | $135,380-67.8% |
| Participation rate | 83.3% | 84.7%-1.4pp | 82.3%+1.0pp | 82.6%+0.7pp |
| Annual return | -12.01% | 153.70%-165.7pp | 119.21%-131.2pp | 519.81%-531.8pp |
| Employer contribution / active EE | $3,311 | $5,152-35.7% | $4,628-28.5% | $4,779-30.7% |
| Participant deferral / active EE | $7,357 | $6,800+8.2% | $6,426+14.5% | $5,609+31.2% |
| Admin fee / account holder | $395 | $10,917-96.4% | $9,284-95.7% | $10,828-96.4% |