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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 | $40,917 | $92,743-55.9% | $82,744-50.6% | $134,532-69.6% |
| Participation rate | 75.0% | 75.2%-0.2pp | 72.6%+2.4pp | 81.2%-6.2pp |
| Annual return | -24.75% | 946.63%-971.4pp | 702.22%-727.0pp | 418.27%-443.0pp |
| Employer contribution / active EE | $1,534 | $3,273-53.1% | $3,008-49.0% | $4,741-67.7% |
| Participant deferral / active EE | $8,302 | $4,802+72.9% | $4,395+88.9% | $6,401+29.7% |
| Admin fee / account holder | $1,229 | $5,977-79.4% | $5,325-76.9% | $11,429-89.2% |