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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 | $44,697 | $45,566-1.9% | $64,105-30.3% | $59,633-25.0% |
| Participation rate | 76.7% | 60.2%+16.5pp | 68.2%+8.5pp | 68.7%+8.0pp |
| Annual return | -4.85% | 4.95%-9.8pp | 791.24%-796.1pp | 2041.45%-2046.3pp |
| Employer contribution / active EE | $1,986 | $934+112.6% | $1,820+9.1% | $2,203-9.8% |
| Participant deferral / active EE | $3,921 | $2,057+90.7% | $2,822+39.0% | $3,192+22.9% |
| Admin fee / account holder | $2,059 | $3,268-37.0% | $4,499-54.2% | $4,297-52.1% |