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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 | $50,987 | $135,645-62.4% | $110,243-53.8% | $135,380-62.3% |
| Participation rate | 81.3% | 83.5%-2.2pp | 79.8%+1.4pp | 82.6%-1.4pp |
| Annual return | -11.43% | 513.24%-524.7pp | 314.76%-326.2pp | 519.81%-531.2pp |
| Employer contribution / active EE | $2,470 | $4,907-49.7% | $3,827-35.5% | $4,779-48.3% |
| Participant deferral / active EE | $4,981 | $5,507-9.6% | $4,672+6.6% | $5,609-11.2% |
| Admin fee / account holder | $783 | $11,458-93.2% | $8,548-90.8% | $10,828-92.8% |