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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 | $53,937 | $127,387-57.7% | $115,038-53.1% | $125,389-57.0% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -3.70% | 31.28%-35.0pp | 26.14%-29.8pp | 282.24%-285.9pp |
| Employer contribution / active EE | $10,103 | $5,166+95.6% | $4,608+119.3% | $4,866+107.6% |
| Participant deferral / active EE | $11,558 | $6,423+79.9% | $6,026+91.8% | $5,352+116.0% |
| Admin fee / account holder | $1,742 | $9,516-81.7% | $8,175-78.7% | $9,541-81.7% |