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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 | $28,590 | $100,811-71.6% | $86,698-67.0% | $134,545-78.8% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -20.42% | 29.11%-49.5pp | 35.96%-56.4pp | 418.37%-438.8pp |
| Employer contribution / active EE | $2,968 | $3,490-15.0% | $2,837+4.6% | $4,742-37.4% |
| Participant deferral / active EE | $6,196 | $5,339+16.0% | $4,656+33.1% | $6,401-3.2% |
| Admin fee / account holder | $440 | $10,926-96.0% | $7,492-94.1% | $11,431-96.1% |