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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 | $47,905 | $56,197-14.8% | $67,652-29.2% | $59,633-19.7% |
| Participation rate | 77.8% | 71.5%+6.3pp | 75.7%+2.1pp | 68.7%+9.1pp |
| Annual return | -3.18% | 18508.10%-18511.3pp | 6625.40%-6628.6pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $1,212 | $1,615-24.9% | $2,266-46.5% | $2,203-45.0% |
| Participant deferral / active EE | $1,843 | $2,844-35.2% | $3,560-48.2% | $3,192-42.3% |
| Admin fee / account holder | $4,223 | $3,958+6.7% | $4,821-12.4% | $4,297-1.7% |