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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 | $79,075 | $100,811-21.6% | $86,698-8.8% | $134,545-41.2% |
| Participation rate | 93.3% | 79.0%+14.4pp | 76.6%+16.7pp | 81.2%+12.1pp |
| Annual return | -20.79% | 29.11%-49.9pp | 35.96%-56.8pp | 418.37%-439.2pp |
| Employer contribution / active EE | $1,899 | $3,490-45.6% | $2,837-33.1% | $4,742-59.9% |
| Participant deferral / active EE | $4,649 | $5,339-12.9% | $4,656-0.1% | $6,401-27.4% |
| Admin fee / account holder | $11,789 | $10,926+7.9% | $7,492+57.4% | $11,431+3.1% |