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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 | $125,211 | $87,546+43.0% | $75,784+65.2% | $125,389-0.1% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -4.28% | 13.49%-17.8pp | 9.68%-14.0pp | 282.24%-286.5pp |
| Employer contribution / active EE | $9,102 | $3,930+131.6% | $3,323+173.9% | $4,866+87.0% |
| Participant deferral / active EE | $10,042 | $4,230+137.4% | $3,652+175.0% | $5,352+87.6% |
| Admin fee / account holder | $2,062 | $6,503-68.3% | $5,300-61.1% | $9,541-78.4% |