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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 | $46,190 | $129,960-64.5% | $104,299-55.7% | $134,545-65.7% |
| Participation rate | 91.7% | 79.5%+12.1pp | 73.3%+18.4pp | 81.2%+10.4pp |
| Annual return | -22.09% | 42.06%-64.1pp | 24.62%-46.7pp | 418.37%-440.5pp |
| Employer contribution / active EE | $1,435 | $4,186-65.7% | $3,373-57.5% | $4,742-69.7% |
| Participant deferral / active EE | $6,604 | $5,589+18.1% | $4,626+42.8% | $6,401+3.2% |
| Admin fee / account holder | $1,092 | $9,324-88.3% | $7,339-85.1% | $11,431-90.4% |