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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 | $73,945 | $138,076-46.4% | $123,553-40.2% | $135,380-45.4% |
| Participation rate | 80.0% | 84.7%-4.7pp | 82.3%-2.3pp | 82.6%-2.6pp |
| Annual return | -9.92% | 153.70%-163.6pp | 119.21%-129.1pp | 519.81%-529.7pp |
| Employer contribution / active EE | $3,254 | $5,152-36.8% | $4,628-29.7% | $4,779-31.9% |
| Participant deferral / active EE | $12,330 | $6,800+81.3% | $6,426+91.9% | $5,609+119.8% |
| Admin fee / account holder | $1,816 | $10,917-83.4% | $9,284-80.4% | $10,828-83.2% |