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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 | $150,279 | $94,529+59.0% | $140,019+7.3% | $64,173+134.2% |
| Participation rate | 76.6% | 84.1%-7.5pp | 87.5%-10.9pp | 69.6%+7.0pp |
| Annual return | -8.20% | 7.77%-16.0pp | 651.17%-659.4pp | 7.63%-15.8pp |
| Employer contribution / active EE | $2,711 | $3,812-28.9% | $5,605-51.6% | $2,381+13.9% |
| Participant deferral / active EE | $11,450 | $5,250+118.1% | $6,927+65.3% | $3,470+230.0% |
| Admin fee / account holder | $2,836 | $6,741-57.9% | $10,705-73.5% | $4,887-42.0% |