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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 | $68,763 | $95,188-27.8% | $76,518-10.1% | $135,379-49.2% |
| Participation rate | 83.3% | 74.4%+8.9pp | 68.0%+15.3pp | 82.6%+0.7pp |
| Annual return | -11.51% | 4.85%-16.4pp | -0.27%-11.2pp | 519.79%-531.3pp |
| Employer contribution / active EE | $6,666 | $3,303+101.8% | $2,647+151.8% | $4,779+39.5% |
| Participant deferral / active EE | $7,699 | $4,640+65.9% | $3,836+100.7% | $5,609+37.3% |
| Admin fee / account holder | $427 | $6,249-93.2% | $4,849-91.2% | $10,828-96.1% |