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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 | $160,357 | $167,362-4.2% | $143,799+11.5% | $134,532+19.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -24.41% | 0.47%-24.9pp | -0.04%-24.4pp | 418.27%-442.7pp |
| Employer contribution / active EE | $9,964 | $5,620+77.3% | $4,952+101.2% | $4,741+110.2% |
| Participant deferral / active EE | $8,733 | $6,447+35.5% | $5,638+54.9% | $6,401+36.4% |
| Admin fee / account holder | $928 | $18,094-94.9% | $14,677-93.7% | $11,429-91.9% |