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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 | $103,292 | $105,929-2.5% | $81,716+26.4% | $158,966-35.0% |
| Participation rate | 100.0% | 75.6%+24.4pp | 72.0%+28.0pp | 82.0%+18.0pp |
| Annual return | -3.95% | 38.19%-42.1pp | 29.49%-33.4pp | 302.95%-306.9pp |
| Employer contribution / active EE | $9,400 | $7,802+20.5% | $4,310+118.1% | $4,762+97.4% |
| Participant deferral / active EE | $6,622 | $13,007-49.1% | $7,108-6.8% | $5,983+10.7% |
| Admin fee / account holder | $1,394 | $8,492-83.6% | $5,159-73.0% | $11,250-87.6% |