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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 | $71,922 | $124,330-42.2% | $109,173-34.1% | $167,536-57.1% |
| Participation rate | 71.4% | 79.5%-8.0pp | 75.9%-4.5pp | 82.1%-10.7pp |
| Annual return | -2.71% | 26.04%-28.8pp | 25.75%-28.5pp | 478.82%-481.5pp |
| Employer contribution / active EE | $11,252 | $4,209+167.3% | $3,723+202.3% | $4,839+132.5% |
| Participant deferral / active EE | $10,214 | $5,256+94.3% | $4,654+119.5% | $6,342+61.1% |
| Admin fee / account holder | $472 | $7,974-94.1% | $6,755-93.0% | $12,315-96.2% |