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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 | $40,849 | $77,817-47.5% | $123,553-66.9% | $64,173-36.3% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -8.95% | 12.49%-21.4pp | 119.21%-128.2pp | 7.63%-16.6pp |
| Employer contribution / active EE | $7,206 | $3,014+139.1% | $4,628+55.7% | $2,381+202.7% |
| Participant deferral / active EE | $5,974 | $5,240+14.0% | $6,426-7.0% | $3,470+72.2% |
| Admin fee / account holder | $4,364 | $5,519-20.9% | $9,284-53.0% | $4,887-10.7% |