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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 | $122,626 | $87,546+40.1% | $75,784+61.8% | $125,389-2.2% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -6.60% | 13.49%-20.1pp | 9.68%-16.3pp | 282.24%-288.8pp |
| Employer contribution / active EE | $13,833 | $3,930+252.0% | $3,323+316.2% | $4,866+184.3% |
| Participant deferral / active EE | $1,431 | $4,230-66.2% | $3,652-60.8% | $5,352-73.3% |
| Admin fee / account holder | $1,736 | $6,503-73.3% | $5,300-67.2% | $9,541-81.8% |