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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 | $149,819 | $113,941+31.5% | $94,229+59.0% | $125,389+19.5% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -4.80% | 5.29%-10.1pp | 10.68%-15.5pp | 282.24%-287.0pp |
| Employer contribution / active EE | $11,770 | $4,727+149.0% | $3,587+228.2% | $4,866+141.9% |
| Participant deferral / active EE | $7,490 | $5,179+44.6% | $4,320+73.4% | $5,352+40.0% |
| Admin fee / account holder | $494 | $8,392-94.1% | $6,269-92.1% | $9,541-94.8% |