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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 | $71,265 | $115,814-38.5% | $101,275-29.6% | $158,982-55.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | -15.84% | 56.16%-72.0pp | 46.48%-62.3pp | 302.99%-318.8pp |
| Employer contribution / active EE | $2,360 | $4,176-43.5% | $3,660-35.5% | $4,763-50.5% |
| Participant deferral / active EE | $5,322 | $4,958+7.3% | $4,371+21.8% | $5,983-11.1% |
| Admin fee / account holder | $1,076 | $7,249-85.2% | $5,948-81.9% | $11,252-90.4% |