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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 | $37,557 | $45,152-16.8% | $73,836-49.1% | $59,633-37.0% |
| Participation rate | 76.0% | 64.0%+12.0pp | 73.4%+2.6pp | 68.7%+7.3pp |
| Annual return | -3.08% | 27.40%-30.5pp | 2268.06%-2271.1pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $2,054 | $1,901+8.0% | $2,787-26.3% | $2,203-6.8% |
| Participant deferral / active EE | $4,473 | $2,573+73.8% | $3,583+24.8% | $3,192+40.1% |
| Admin fee / account holder | $428 | $3,515-87.8% | $4,882-91.2% | $4,297-90.0% |