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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 | $112,475 | $127,387-11.7% | $115,038-2.2% | $125,389-10.3% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -7.69% | 31.28%-39.0pp | 26.14%-33.8pp | 282.24%-289.9pp |
| Employer contribution / active EE | $6,614 | $5,166+28.0% | $4,608+43.5% | $4,866+35.9% |
| Participant deferral / active EE | $3,554 | $6,423-44.7% | $6,026-41.0% | $5,352-33.6% |
| Admin fee / account holder | $342 | $9,516-96.4% | $8,175-95.8% | $9,541-96.4% |