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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 | $5,423 | $84,628-93.6% | $61,501-91.2% | $134,545-96.0% |
| Participation rate | 94.4% | 62.2%+32.2pp | 52.6%+41.9pp | 81.2%+13.2pp |
| Annual return | -27.28% | 585.61%-612.9pp | 339.04%-366.3pp | 418.37%-445.7pp |
| Employer contribution / active EE | $944 | $1,545-38.9% | $1,160-18.6% | $4,742-80.1% |
| Participant deferral / active EE | $3,329 | $2,819+18.1% | $2,125+56.7% | $6,401-48.0% |
| Admin fee / account holder | $950 | $2,587-63.3% | $2,132-55.4% | $11,431-91.7% |