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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 | $133,998-41.6% | $112,263-30.3% | $134,545-41.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -21.00% | 47.17%-68.2pp | 27.49%-48.5pp | 418.37%-439.4pp |
| Employer contribution / active EE | $8,621 | $4,040+113.4% | $3,636+137.1% | $4,742+81.8% |
| Participant deferral / active EE | $7,248 | $5,292+36.9% | $4,729+53.2% | $6,401+13.2% |
| Admin fee / account holder | $372 | $7,493-95.0% | $6,410-94.2% | $11,431-96.7% |