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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 | $47,323 | $45,152+4.8% | $73,845-35.9% | $59,632-20.6% |
| Participation rate | 82.8% | 64.0%+18.7pp | 73.4%+9.3pp | 68.7%+14.1pp |
| Annual return | -2.96% | 27.40%-30.4pp | 2267.91%-2270.9pp | 2041.32%-2044.3pp |
| Employer contribution / active EE | $1,831 | $1,902-3.7% | $2,788-34.3% | $2,203-16.9% |
| Participant deferral / active EE | $3,502 | $2,574+36.1% | $3,583-2.3% | $3,192+9.7% |
| Admin fee / account holder | $872 | $3,516-75.2% | $4,881-82.1% | $4,297-79.7% |