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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 | $87,741 | $167,362-47.6% | $143,799-39.0% | $134,532-34.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -28.27% | 0.47%-28.7pp | -0.04%-28.2pp | 418.27%-446.5pp |
| Employer contribution / active EE | $14,411 | $5,620+156.4% | $4,952+191.0% | $4,741+204.0% |
| Participant deferral / active EE | $16,206 | $6,447+151.4% | $5,638+187.4% | $6,401+153.2% |
| Admin fee / account holder | $366 | $18,094-98.0% | $14,677-97.5% | $11,429-96.8% |