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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 | $91,295 | $87,016+4.9% | $63,244+44.4% | $125,389-27.2% |
| Participation rate | 100.0% | 77.1%+22.9pp | 71.0%+29.0pp | 83.2%+16.8pp |
| Annual return | -4.48% | 21.71%-26.2pp | -70.31%+65.8pp | 282.24%-286.7pp |
| Employer contribution / active EE | $8,393 | $3,601+133.1% | $2,322+261.4% | $4,866+72.5% |
| Participant deferral / active EE | $10,584 | $3,939+168.7% | $2,953+258.4% | $5,352+97.8% |
| Admin fee / account holder | $592 | $11,954-95.0% | $5,893-89.9% | $9,541-93.8% |