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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 | $5,792 | $110,039-94.7% | $97,260-94.0% | $145,884-96.0% |
| Participation rate | 88.2% | 75.9%+12.3pp | 72.7%+15.6pp | 80.3%+7.9pp |
| Annual return | -33.83% | 244.44%-278.3pp | 75.54%-109.4pp | 551.85%-585.7pp |
| Employer contribution / active EE | $413 | $3,074-86.6% | $2,721-84.8% | $4,662-91.1% |
| Participant deferral / active EE | $3,046 | $4,674-34.8% | $4,262-28.5% | $6,690-54.5% |
| Admin fee / account holder | $1,737 | $6,204-72.0% | $5,640-69.2% | $13,392-87.0% |