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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 | $23,352 | $91,911-74.6% | $68,612-66.0% | $135,380-82.8% |
| Participation rate | 100.0% | 76.7%+23.3pp | 72.2%+27.8pp | 82.6%+17.4pp |
| Annual return | -10.61% | -8.22%-2.4pp | -4.63%-6.0pp | 519.81%-530.4pp |
| Employer contribution / active EE | $2,806 | $3,924-28.5% | $2,625+6.9% | $4,779-41.3% |
| Participant deferral / active EE | $6,863 | $4,315+59.0% | $3,311+107.3% | $5,609+22.4% |
| Admin fee / account holder | $500 | $9,240-94.6% | $5,131-90.3% | $10,828-95.4% |