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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 | $212,081 | $129,960+63.2% | $104,299+103.3% | $134,545+57.6% |
| Participation rate | 100.0% | 79.5%+20.5pp | 73.3%+26.7pp | 81.2%+18.8pp |
| Annual return | -20.51% | 42.06%-62.6pp | 24.62%-45.1pp | 418.37%-438.9pp |
| Employer contribution / active EE | $4,515 | $4,186+7.9% | $3,373+33.9% | $4,742-4.8% |
| Participant deferral / active EE | $6,828 | $5,589+22.2% | $4,626+47.6% | $6,401+6.7% |
| Admin fee / account holder | $1,334 | $9,324-85.7% | $7,339-81.8% | $11,431-88.3% |