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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 | $187,453 | $105,866+77.1% | $90,766+106.5% | $134,545+39.3% |
| Participation rate | 100.0% | 78.3%+21.7pp | 75.7%+24.3pp | 81.2%+18.8pp |
| Annual return | -22.17% | -10.99%-11.2pp | -12.16%-10.0pp | 418.37%-440.5pp |
| Employer contribution / active EE | $8,700 | $3,464+151.2% | $2,922+197.8% | $4,742+83.5% |
| Participant deferral / active EE | $6,551 | $5,217+25.6% | $4,565+43.5% | $6,401+2.3% |
| Admin fee / account holder | $2,151 | $13,938-84.6% | $8,446-74.5% | $11,431-81.2% |