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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 | $78,220 | $133,983-41.6% | $112,244-30.3% | $134,493-41.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -21.00% | 47.13%-68.1pp | 27.46%-48.5pp | 418.01%-439.0pp |
| Employer contribution / active EE | $8,621 | $4,039+113.5% | $3,635+137.2% | $4,740+81.9% |
| Participant deferral / active EE | $7,248 | $5,291+37.0% | $4,728+53.3% | $6,400+13.2% |
| Admin fee / account holder | $372 | $7,490-95.0% | $6,411-94.2% | $11,425-96.7% |