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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 | $226,273 | $99,032+128.5% | $80,022+182.8% | $135,379+67.1% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -9.22% | 15.39%-24.6pp | 11.22%-20.4pp | 519.79%-529.0pp |
| Employer contribution / active EE | $9,742 | $3,043+220.1% | $2,468+294.7% | $4,779+103.9% |
| Participant deferral / active EE | $8,989 | $4,282+109.9% | $3,686+143.9% | $5,609+60.3% |
| Admin fee / account holder | $715 | $10,436-93.2% | $6,521-89.0% | $10,828-93.4% |