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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 | $6,920 | $93,124-92.6% | $77,100-91.0% | $134,545-94.9% |
| Participation rate | 86.4% | 74.5%+11.9pp | 67.9%+18.4pp | 81.2%+5.1pp |
| Annual return | -21.56% | 62.68%-84.2pp | 42.35%-63.9pp | 418.37%-439.9pp |
| Employer contribution / active EE | $2,129 | $3,421-37.8% | $2,815-24.4% | $4,742-55.1% |
| Participant deferral / active EE | $3,428 | $5,242-34.6% | $4,430-22.6% | $6,401-46.4% |
| Admin fee / account holder | $785 | $6,970-88.7% | $5,443-85.6% | $11,431-93.1% |