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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 | $33,615 | $82,674-59.3% | $125,381-73.2% | $68,486-50.9% |
| Participation rate | 74.3% | 75.1%-0.8pp | 82.4%-8.1pp | 67.9%+6.4pp |
| Annual return | -21.24% | -5.97%-15.3pp | 572.31%-593.5pp | -7.85%-13.4pp |
| Employer contribution / active EE | $3,411 | $3,382+0.9% | $4,815-29.2% | $2,597+31.4% |
| Participant deferral / active EE | $7,274 | $6,111+19.0% | $7,448-2.3% | $4,028+80.6% |
| Admin fee / account holder | $1,343 | $6,277-78.6% | $10,007-86.6% | $5,404-75.1% |