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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 | $62,354 | $168,636-63.0% | $147,618-57.8% | $125,388-50.3% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -5.74% | 77.65%-83.4pp | 61.98%-67.7pp | 282.24%-288.0pp |
| Employer contribution / active EE | $1,730 | $6,252-72.3% | $5,565-68.9% | $4,866-64.5% |
| Participant deferral / active EE | $6,300 | $5,507+14.4% | $4,895+28.7% | $5,352+17.7% |
| Admin fee / account holder | $355 | $13,580-97.4% | $11,612-96.9% | $9,541-96.3% |