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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 | $77,164 | $91,537-15.7% | $130,045-40.7% | $75,173+2.6% |
| Participation rate | 92.6% | 71.5%+21.1pp | 78.5%+14.1pp | 67.2%+25.4pp |
| Annual return | 10.51% | -631.55%+642.1pp | -137.30%+147.8pp | 160.72%-150.2pp |
| Employer contribution / active EE | $4,172 | $2,845+46.7% | $4,321-3.5% | $2,671+56.2% |
| Participant deferral / active EE | $5,572 | $4,343+28.3% | $5,820-4.3% | $4,126+35.0% |
| Admin fee / account holder | $1,354 | $6,780-80.0% | $10,600-87.2% | $5,651-76.0% |