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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 | $95,289 | $127,386-25.2% | $115,037-17.2% | $125,388-24.0% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -4.14% | 31.28%-35.4pp | 26.14%-30.3pp | 282.24%-286.4pp |
| Employer contribution / active EE | $4,304 | $5,166-16.7% | $4,608-6.6% | $4,866-11.6% |
| Participant deferral / active EE | $11,810 | $6,423+83.9% | $6,026+96.0% | $5,352+120.7% |
| Admin fee / account holder | $12,111 | $9,516+27.3% | $8,175+48.1% | $9,541+26.9% |