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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 | $78,730 | $91,537-14.0% | $130,045-39.5% | $75,173+4.7% |
| Participation rate | 100.0% | 71.5%+28.5pp | 78.5%+21.5pp | 67.2%+32.8pp |
| Annual return | 9.46% | -631.55%+641.0pp | -137.30%+146.8pp | 160.72%-151.3pp |
| Employer contribution / active EE | $5,994 | $2,845+110.7% | $4,321+38.7% | $2,671+124.4% |
| Participant deferral / active EE | $3,927 | $4,343-9.6% | $5,820-32.5% | $4,126-4.8% |
| Admin fee / account holder | $1,519 | $6,780-77.6% | $10,600-85.7% | $5,651-73.1% |