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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 | $36,862 | $113,941-67.6% | $94,229-60.9% | $125,389-70.6% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -3.51% | 5.29%-8.8pp | 10.68%-14.2pp | 282.24%-285.8pp |
| Employer contribution / active EE | $7,344 | $4,727+55.4% | $3,587+104.8% | $4,866+50.9% |
| Participant deferral / active EE | $8,807 | $5,179+70.1% | $4,320+103.9% | $5,352+64.6% |
| Admin fee / account holder | $1,989 | $8,392-76.3% | $6,269-68.3% | $9,541-79.2% |