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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 | $50,090 | $167,362-70.1% | $143,799-65.2% | $134,532-62.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -22.66% | 0.47%-23.1pp | -0.04%-22.6pp | 418.27%-440.9pp |
| Employer contribution / active EE | $6,030 | $5,620+7.3% | $4,952+21.8% | $4,741+27.2% |
| Participant deferral / active EE | $8,845 | $6,447+37.2% | $5,638+56.9% | $6,401+38.2% |
| Admin fee / account holder | $757 | $18,094-95.8% | $14,677-94.8% | $11,429-93.4% |