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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 | $53,845 | $168,635-68.1% | $147,617-63.5% | $125,389-57.1% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -12.77% | 77.65%-90.4pp | 61.98%-74.8pp | 282.24%-295.0pp |
| Employer contribution / active EE | $5,824 | $6,252-6.9% | $5,564+4.7% | $4,866+19.7% |
| Participant deferral / active EE | $5,784 | $5,507+5.0% | $4,895+18.2% | $5,352+8.1% |
| Admin fee / account holder | $418 | $13,580-96.9% | $11,612-96.4% | $9,541-95.6% |