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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 | $61,647 | $172,111-64.2% | $150,298-59.0% | $137,256-55.1% |
| Participation rate | 80.0% | 81.7%-1.7pp | 77.8%+2.2pp | 80.0%0pp |
| Annual return | -8.26% | 69.37%-77.6pp | 62.79%-71.0pp | 220.34%-228.6pp |
| Employer contribution / active EE | $5,808 | $4,636+25.3% | $4,154+39.8% | $4,156+39.7% |
| Participant deferral / active EE | $9,400 | $6,166+52.5% | $5,453+72.4% | $6,407+46.7% |
| Admin fee / account holder | $1,778 | $16,471-89.2% | $14,116-87.4% | $12,270-85.5% |