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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 | $123,042 | $98,776+24.6% | $149,745-17.8% | $79,856+54.1% |
| Participation rate | 71.4% | 75.8%-4.4pp | 82.5%-11.1pp | 69.6%+1.8pp |
| Annual return | -22.94% | 27.38%-50.3pp | 276.72%-299.7pp | 31.71%-54.7pp |
| Employer contribution / active EE | $3,998 | $3,217+24.3% | $4,646-13.9% | $2,471+61.8% |
| Participant deferral / active EE | $7,777 | $5,681+36.9% | $6,843+13.6% | $3,741+107.9% |
| Admin fee / account holder | $4,927 | $6,053-18.6% | $9,312-47.1% | $5,306-7.1% |