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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 | $45,038 | $56,197-19.9% | $67,652-33.4% | $59,633-24.5% |
| Participation rate | 77.2% | 71.5%+5.7pp | 75.7%+1.5pp | 68.7%+8.5pp |
| Annual return | -3.19% | 18508.10%-18511.3pp | 6625.40%-6628.6pp | 2041.45%-2044.6pp |
| Employer contribution / active EE | $1,189 | $1,615-26.4% | $2,266-47.5% | $2,203-46.0% |
| Participant deferral / active EE | $2,868 | $2,844+0.9% | $3,560-19.4% | $3,192-10.1% |
| Admin fee / account holder | $737 | $3,958-81.4% | $4,821-84.7% | $4,297-82.9% |