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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 | $119,209 | $87,546+36.2% | $75,784+57.3% | $125,389-4.9% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -3.87% | 13.49%-17.4pp | 9.68%-13.5pp | 282.24%-286.1pp |
| Employer contribution / active EE | $7,013 | $3,930+78.4% | $3,323+111.0% | $4,866+44.1% |
| Participant deferral / active EE | $6,631 | $4,230+56.8% | $3,652+81.6% | $5,352+23.9% |
| Admin fee / account holder | $376 | $6,503-94.2% | $5,300-92.9% | $9,541-96.1% |