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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 | $56,735 | $92,219-38.5% | $76,768-26.1% | $135,379-58.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -9.87% | 5.46%-15.3pp | 2.43%-12.3pp | 519.79%-529.7pp |
| Employer contribution / active EE | $9,266 | $3,216+188.1% | $2,485+272.8% | $4,779+93.9% |
| Participant deferral / active EE | $7,221 | $4,508+60.2% | $3,852+87.5% | $5,609+28.7% |
| Admin fee / account holder | $362 | $10,749-96.6% | $6,675-94.6% | $10,828-96.7% |