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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 | $39,503 | $138,076-71.4% | $123,553-68.0% | $135,380-70.8% |
| Participation rate | 81.8% | 84.7%-2.9pp | 82.3%-0.5pp | 82.6%-0.8pp |
| Annual return | -10.22% | 153.70%-163.9pp | 119.21%-129.4pp | 519.81%-530.0pp |
| Employer contribution / active EE | $5,592 | $5,152+8.5% | $4,628+20.8% | $4,779+17.0% |
| Participant deferral / active EE | $5,634 | $6,800-17.1% | $6,426-12.3% | $5,609+0.4% |
| Admin fee / account holder | $570 | $10,917-94.8% | $9,284-93.9% | $10,828-94.7% |