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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 | $57,585 | $135,956-57.6% | $123,894-53.5% | $273,972-79.0% |
| Participation rate | 83.3% | 84.1%-0.7pp | 81.4%+1.9pp | 83.0%+0.3pp |
| Annual return | -3.60% | 56.63%-60.2pp | 47.52%-51.1pp | 41.46%-45.1pp |
| Employer contribution / active EE | $2,878 | $5,170-44.3% | $4,617-37.7% | $4,869-40.9% |
| Participant deferral / active EE | $6,423 | $6,343+1.3% | $5,984+7.3% | $5,287+21.5% |
| Admin fee / account holder | $883 | $9,817-91.0% | $8,357-89.4% | $10,133-91.3% |