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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 | $164,786 | $167,353-1.5% | $143,797+14.6% | $134,545+22.5% |
| Participation rate | 83.3% | 84.8%-1.5pp | 80.3%+3.0pp | 81.2%+2.1pp |
| Annual return | -24.53% | 0.48%-25.0pp | -0.04%-24.5pp | 418.37%-442.9pp |
| Employer contribution / active EE | $14,930 | $5,620+165.6% | $4,952+201.5% | $4,742+214.9% |
| Participant deferral / active EE | $9,260 | $6,447+43.6% | $5,638+64.2% | $6,401+44.7% |
| Admin fee / account holder | $1,575 | $18,096-91.3% | $14,679-89.3% | $11,431-86.2% |