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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 | $31,225 | $57,352-45.6% | $83,831-62.8% | $64,173-51.3% |
| Participation rate | 85.1% | 68.6%+16.5pp | 76.1%+9.0pp | 69.6%+15.5pp |
| Annual return | -10.52% | 11.38%-21.9pp | 850.99%-861.5pp | 7.63%-18.2pp |
| Employer contribution / active EE | $2,477 | $2,546-2.7% | $3,631-31.8% | $2,381+4.0% |
| Participant deferral / active EE | $5,909 | $2,993+97.4% | $4,082+44.8% | $3,470+70.3% |
| Admin fee / account holder | $444 | $4,046-89.0% | $5,479-91.9% | $4,887-90.9% |