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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 | $33,059 | $78,694-58.0% | $67,652-51.1% | $125,389-73.6% |
| Participation rate | 78.6% | 78.8%-0.2pp | 75.7%+2.9pp | 83.2%-4.6pp |
| Annual return | -7.29% | 9.46%-16.7pp | 6625.40%-6632.7pp | 282.24%-289.5pp |
| Employer contribution / active EE | $0 | $3,044-100.0% | $2,266-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $4,276 | $4,292-0.4% | $3,560+20.1% | $5,352-20.1% |
| Admin fee / account holder | $884 | $7,403-88.1% | $4,821-81.7% | $9,541-90.7% |