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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 | $68,007 | $81,840-16.9% | $63,412+7.2% | $125,389-45.8% |
| Participation rate | 100.0% | 73.0%+27.0pp | 67.1%+32.9pp | 83.2%+16.8pp |
| Annual return | -7.03% | -0.10%-6.9pp | 4.04%-11.1pp | 282.24%-289.3pp |
| Employer contribution / active EE | $15,278 | $2,377+542.9% | $1,814+742.1% | $4,866+214.0% |
| Participant deferral / active EE | $22,000 | $3,064+617.9% | $2,496+781.6% | $5,352+311.1% |
| Admin fee / account holder | $387 | $4,951-92.2% | $3,753-89.7% | $9,541-95.9% |