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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 | $44,588 | $167,362-73.4% | $143,799-69.0% | $134,532-66.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -20.47% | 0.47%-20.9pp | -0.04%-20.4pp | 418.27%-438.7pp |
| Employer contribution / active EE | $13,120 | $5,620+133.4% | $4,952+164.9% | $4,741+176.7% |
| Participant deferral / active EE | $4,612 | $6,447-28.5% | $5,638-18.2% | $6,401-28.0% |
| Admin fee / account holder | $561 | $18,094-96.9% | $14,677-96.2% | $11,429-95.1% |