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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 | $38,152 | $72,404-47.3% | $110,243-65.4% | $64,173-40.5% |
| Participation rate | 71.7% | 73.3%-1.6pp | 79.8%-8.1pp | 69.6%+2.2pp |
| Annual return | -9.24% | -6.29%-3.0pp | 314.76%-324.0pp | 7.63%-16.9pp |
| Employer contribution / active EE | $1,184 | $2,282-48.1% | $3,827-69.1% | $2,381-50.3% |
| Participant deferral / active EE | $5,562 | $3,469+60.3% | $4,672+19.0% | $3,470+60.3% |
| Admin fee / account holder | $989 | $5,664-82.5% | $8,548-88.4% | $4,887-79.8% |