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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 | $59,853 | $142,392-58.0% | $119,622-50.0% | $134,532-55.5% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -21.95% | -12.46%-9.5pp | -14.98%-7.0pp | 418.27%-440.2pp |
| Employer contribution / active EE | $2,266 | $5,224-56.6% | $4,232-46.5% | $4,741-52.2% |
| Participant deferral / active EE | $8,774 | $6,467+35.7% | $5,601+56.7% | $6,401+37.1% |
| Admin fee / account holder | $591 | $13,593-95.7% | $10,328-94.3% | $11,429-94.8% |