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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 | $101,980 | $167,353-39.1% | $143,797-29.1% | $134,545-24.2% |
| Participation rate | 88.9% | 84.8%+4.1pp | 80.3%+8.6pp | 81.2%+7.7pp |
| Annual return | -22.87% | 0.48%-23.3pp | -0.04%-22.8pp | 418.37%-441.2pp |
| Employer contribution / active EE | $7,177 | $5,620+27.7% | $4,952+44.9% | $4,742+51.4% |
| Participant deferral / active EE | $5,396 | $6,447-16.3% | $5,638-4.3% | $6,401-15.7% |
| Admin fee / account holder | $1,598 | $18,096-91.2% | $14,679-89.1% | $11,431-86.0% |