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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 | $85,242 | $127,387-33.1% | $115,038-25.9% | $125,389-32.0% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -3.44% | 31.28%-34.7pp | 26.14%-29.6pp | 282.24%-285.7pp |
| Employer contribution / active EE | $8,650 | $5,166+67.4% | $4,608+87.7% | $4,866+77.8% |
| Participant deferral / active EE | $10,239 | $6,423+59.4% | $6,026+69.9% | $5,352+91.3% |
| Admin fee / account holder | $599 | $9,516-93.7% | $8,175-92.7% | $9,541-93.7% |