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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 | $50,809 | $72,404-29.8% | $110,243-53.9% | $64,173-20.8% |
| Participation rate | 80.6% | 73.3%+7.3pp | 79.8%+0.8pp | 69.6%+11.1pp |
| Annual return | -7.71% | -6.29%-1.4pp | 314.76%-322.5pp | 7.63%-15.3pp |
| Employer contribution / active EE | $5,825 | $2,282+155.3% | $3,827+52.2% | $2,381+144.7% |
| Participant deferral / active EE | $3,963 | $3,469+14.2% | $4,672-15.2% | $3,470+14.2% |
| Admin fee / account holder | $377 | $5,664-93.3% | $8,548-95.6% | $4,887-92.3% |