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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 | $38,781 | $167,533-76.9% | $151,645-74.4% | $134,545-71.2% |
| Participation rate | 78.6% | 88.4%-9.8pp | 87.5%-8.9pp | 81.2%-2.7pp |
| Annual return | -26.17% | 7.81%-34.0pp | 3.34%-29.5pp | 418.37%-444.5pp |
| Employer contribution / active EE | $4,743 | $6,828-30.5% | $6,165-23.1% | $4,7420% |
| Participant deferral / active EE | $14,817 | $8,985+64.9% | $8,363+77.2% | $6,401+131.5% |
| Admin fee / account holder | $496 | $13,781-96.4% | $11,614-95.7% | $11,431-95.7% |