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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 | $63,517 | $94,529-32.8% | $140,019-54.6% | $64,173-1.0% |
| Participation rate | 92.1% | 84.1%+8.0pp | 87.5%+4.6pp | 69.6%+22.5pp |
| Annual return | -8.48% | 7.77%-16.3pp | 651.17%-659.7pp | 7.63%-16.1pp |
| Employer contribution / active EE | $1,929 | $3,812-49.4% | $5,605-65.6% | $2,381-19.0% |
| Participant deferral / active EE | $5,572 | $5,250+6.1% | $6,927-19.5% | $3,470+60.6% |
| Admin fee / account holder | $1,128 | $6,741-83.3% | $10,705-89.5% | $4,887-76.9% |