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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 | $158,114 | $73,839+114.1% | $143,788+10.0% | $68,495+130.8% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -20.79% | 1.01%-21.8pp | -0.03%-20.8pp | -7.84%-13.0pp |
| Employer contribution / active EE | $8,669 | $3,184+172.3% | $4,952+75.1% | $2,596+233.9% |
| Participant deferral / active EE | $7,782 | $3,384+129.9% | $5,638+38.0% | $4,028+93.2% |
| Admin fee / account holder | $6,047 | $5,755+5.1% | $14,675-58.8% | $5,403+11.9% |