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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 | $46,841 | $56,197-16.6% | $67,652-30.8% | $59,633-21.5% |
| Participation rate | 74.4% | 71.5%+2.9pp | 75.7%-1.3pp | 68.7%+5.7pp |
| Annual return | -4.11% | 18508.10%-18512.2pp | 6625.40%-6629.5pp | 2041.45%-2045.6pp |
| Employer contribution / active EE | $1,501 | $1,615-7.0% | $2,266-33.8% | $2,203-31.9% |
| Participant deferral / active EE | $2,484 | $2,844-12.6% | $3,560-30.2% | $3,192-22.2% |
| Admin fee / account holder | $553 | $3,958-86.0% | $4,821-88.5% | $4,297-87.1% |