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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 | $50,834 | $78,428-35.2% | $95,960-47.0% | $79,852-36.3% |
| Participation rate | 87.2% | 73.5%+13.7pp | 77.1%+10.2pp | 69.6%+17.6pp |
| Annual return | -1.62% | 19.37%-21.0pp | 91.63%-93.3pp | 31.72%-33.3pp |
| Employer contribution / active EE | $3,325 | $1,945+70.9% | $2,541+30.8% | $2,471+34.6% |
| Participant deferral / active EE | $3,767 | $3,440+9.5% | $4,167-9.6% | $3,740+0.7% |
| Admin fee / account holder | $8,803 | $5,622+56.6% | $6,797+29.5% | $5,306+65.9% |