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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 | $50,141 | $127,387-60.6% | $115,038-56.4% | $125,389-60.0% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -4.86% | 31.28%-36.1pp | 26.14%-31.0pp | 282.24%-287.1pp |
| Employer contribution / active EE | $11,024 | $5,166+113.4% | $4,608+139.2% | $4,866+126.5% |
| Participant deferral / active EE | $8,065 | $6,423+25.6% | $6,026+33.8% | $5,352+50.7% |
| Admin fee / account holder | $995 | $9,516-89.5% | $8,175-87.8% | $9,541-89.6% |