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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 | $190,007 | $167,362+13.5% | $143,799+32.1% | $134,532+41.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -21.40% | 0.47%-21.9pp | -0.04%-21.4pp | 418.27%-439.7pp |
| Employer contribution / active EE | $9,405 | $5,620+67.3% | $4,952+89.9% | $4,741+98.4% |
| Participant deferral / active EE | $5,974 | $6,447-7.3% | $5,638+6.0% | $6,401-6.7% |
| Admin fee / account holder | $3,043 | $18,094-83.2% | $14,677-79.3% | $11,429-73.4% |