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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 | $59,040 | $82,674-28.6% | $125,381-52.9% | $68,486-13.8% |
| Participation rate | 88.1% | 75.1%+13.0pp | 82.4%+5.7pp | 67.9%+20.2pp |
| Annual return | -25.36% | -5.97%-19.4pp | 572.31%-597.7pp | -7.85%-17.5pp |
| Employer contribution / active EE | $1,107 | $3,382-67.3% | $4,815-77.0% | $2,597-57.4% |
| Participant deferral / active EE | $5,137 | $6,111-15.9% | $7,448-31.0% | $4,028+27.6% |
| Admin fee / account holder | $6,065 | $6,277-3.4% | $10,007-39.4% | $5,404+12.2% |