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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 | $84,051 | $127,387-34.0% | $115,038-26.9% | $125,389-33.0% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -3.88% | 31.28%-35.2pp | 26.14%-30.0pp | 282.24%-286.1pp |
| Employer contribution / active EE | $2,463 | $5,166-52.3% | $4,608-46.5% | $4,866-49.4% |
| Participant deferral / active EE | $6,447 | $6,423+0.4% | $6,026+7.0% | $5,352+20.5% |
| Admin fee / account holder | $26,023 | $9,516+173.5% | $8,175+218.3% | $9,541+172.8% |