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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 | $49,512 | $148,629-66.7% | $135,982-63.6% | $139,487-64.5% |
| Participation rate | 91.7% | 83.9%+7.8pp | 81.9%+9.7pp | 80.3%+11.3pp |
| Annual return | -5.33% | 79.33%-84.7pp | 68.32%-73.7pp | 373.84%-379.2pp |
| Employer contribution / active EE | $2,478 | $5,247-52.8% | $4,859-49.0% | $4,755-47.9% |
| Participant deferral / active EE | $3,771 | $8,102-53.5% | $7,760-51.4% | $6,713-43.8% |
| Admin fee / account holder | $375 | $12,406-97.0% | $10,767-96.5% | $11,407-96.7% |