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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 | $103,317 | $181,896-43.2% | $156,551-34.0% | $273,972-62.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | -0.32% | 30.74%-31.1pp | 32.23%-32.5pp | 41.46%-41.8pp |
| Employer contribution / active EE | $18,770 | $6,248+200.4% | $5,501+241.2% | $4,869+285.5% |
| Participant deferral / active EE | $12,588 | $5,550+126.8% | $4,871+158.4% | $5,287+138.1% |
| Admin fee / account holder | $3,338 | $15,560-78.5% | $13,028-74.4% | $10,133-67.1% |