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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 | $59,787 | $82,674-27.7% | $125,381-52.3% | $68,486-12.7% |
| Participation rate | 94.0% | 75.1%+19.0pp | 82.4%+11.7pp | 67.9%+26.1pp |
| Annual return | -19.43% | -5.97%-13.5pp | 572.31%-591.7pp | -7.85%-11.6pp |
| Employer contribution / active EE | $4,783 | $3,382+41.4% | $4,815-0.7% | $2,597+84.2% |
| Participant deferral / active EE | $4,125 | $6,111-32.5% | $7,448-44.6% | $4,028+2.4% |
| Admin fee / account holder | $699 | $6,277-88.9% | $10,007-93.0% | $5,404-87.1% |