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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 | $22,938 | $133,998-82.9% | $112,263-79.6% | $134,545-83.0% |
| Participation rate | 95.5% | 78.6%+16.9pp | 75.1%+20.4pp | 81.2%+14.2pp |
| Annual return | -20.95% | 47.17%-68.1pp | 27.49%-48.4pp | 418.37%-439.3pp |
| Employer contribution / active EE | $899 | $4,040-77.7% | $3,636-75.3% | $4,742-81.0% |
| Participant deferral / active EE | $3,293 | $5,292-37.8% | $4,729-30.4% | $6,401-48.6% |
| Admin fee / account holder | $1,044 | $7,493-86.1% | $6,410-83.7% | $11,431-90.9% |