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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 | $27,532 | $112,131-75.4% | $95,964-71.3% | $158,982-82.7% |
| Participation rate | 77.8% | 79.0%-1.2pp | 77.1%+0.7pp | 82.0%-4.2pp |
| Annual return | -8.89% | 171.19%-180.1pp | 91.64%-100.5pp | 302.99%-311.9pp |
| Employer contribution / active EE | $2,626 | $3,199-17.9% | $2,541+3.3% | $4,763-44.9% |
| Participant deferral / active EE | $5,884 | $4,784+23.0% | $4,167+41.2% | $5,983-1.7% |
| Admin fee / account holder | $2,079 | $10,136-79.5% | $6,797-69.4% | $11,252-81.5% |