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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 | $44,123 | $85,171-48.2% | $172,752-74.5% | $72,975-39.5% |
| Participation rate | 92.0% | 70.1%+21.9pp | 82.6%+9.4pp | 69.5%+22.5pp |
| Annual return | -4.93% | 27.32%-32.2pp | 802.97%-807.9pp | 81.01%-85.9pp |
| Employer contribution / active EE | $3,998 | $3,324+20.3% | $5,144-22.3% | $2,440+63.8% |
| Participant deferral / active EE | $4,306 | $3,260+32.1% | $5,198-17.2% | $3,608+19.4% |
| Admin fee / account holder | $5,179 | $5,880-11.9% | $13,955-62.9% | $5,124+1.1% |