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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 | $24,169 | $129,959-81.4% | $104,301-76.8% | $134,532-82.0% |
| Participation rate | 90.0% | 79.5%+10.5pp | 73.3%+16.7pp | 81.2%+8.8pp |
| Annual return | -27.14% | 42.04%-69.2pp | 24.61%-51.8pp | 418.27%-445.4pp |
| Employer contribution / active EE | $1,899 | $4,185-54.6% | $3,373-43.7% | $4,741-59.9% |
| Participant deferral / active EE | $5,788 | $5,589+3.5% | $4,626+25.1% | $6,401-9.6% |
| Admin fee / account holder | $3,756 | $9,325-59.7% | $7,340-48.8% | $11,429-67.1% |