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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 | $88,867 | $142,392-37.6% | $119,622-25.7% | $134,532-33.9% |
| Participation rate | 83.3% | 82.8%+0.5pp | 79.3%+4.1pp | 81.2%+2.1pp |
| Annual return | -21.31% | -12.46%-8.9pp | -14.98%-6.3pp | 418.27%-439.6pp |
| Employer contribution / active EE | $10,664 | $5,224+104.1% | $4,232+152.0% | $4,741+124.9% |
| Participant deferral / active EE | $6,798 | $6,467+5.1% | $5,601+21.4% | $6,401+6.2% |
| Admin fee / account holder | $1,885 | $13,593-86.1% | $10,328-81.7% | $11,429-83.5% |