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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 | $30,013 | $82,678-63.7% | $125,391-76.1% | $68,490-56.2% |
| Participation rate | 73.0% | 75.1%-2.1pp | 82.4%-9.4pp | 67.9%+5.1pp |
| Annual return | -22.59% | -5.97%-16.6pp | 572.41%-595.0pp | -7.85%-14.7pp |
| Employer contribution / active EE | $2,616 | $3,382-22.6% | $4,816-45.7% | $2,597+0.8% |
| Participant deferral / active EE | $5,739 | $6,111-6.1% | $7,448-22.9% | $4,028+42.5% |
| Admin fee / account holder | $1,628 | $6,277-74.1% | $10,009-83.7% | $5,403-69.9% |