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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 | $32,439 | $135,645-76.1% | $110,243-70.6% | $135,379-76.0% |
| Participation rate | 80.0% | 83.5%-3.5pp | 79.8%+0.2pp | 82.6%-2.6pp |
| Annual return | -9.98% | 513.24%-523.2pp | 314.76%-324.7pp | 519.79%-529.8pp |
| Employer contribution / active EE | $2,391 | $4,907-51.3% | $3,827-37.5% | $4,779-50.0% |
| Participant deferral / active EE | $3,118 | $5,507-43.4% | $4,672-33.3% | $5,609-44.4% |
| Admin fee / account holder | $4,525 | $11,458-60.5% | $8,548-47.1% | $10,828-58.2% |