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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 | $84,679 | $227,399-62.8% | $189,758-55.4% | $198,609-57.4% |
| Participation rate | 85.7% | 84.0%+1.7pp | 79.8%+5.9pp | 82.4%+3.3pp |
| Annual return | 3.07% | 61.03%-58.0pp | 52.62%-49.5pp | 202.70%-199.6pp |
| Employer contribution / active EE | $2,080 | $5,526-62.4% | $4,767-56.4% | $5,055-58.9% |
| Participant deferral / active EE | $5,773 | $6,837-15.6% | $5,856-1.4% | $6,977-17.2% |
| Admin fee / account holder | $547 | $25,162-97.8% | $20,388-97.3% | $19,030-97.1% |