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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 | $227,282 | $149,333+52.2% | $106,387+113.6% | $135,380+67.9% |
| Participation rate | 100.0% | 81.5%+18.5pp | 77.5%+22.5pp | 82.6%+17.4pp |
| Annual return | -12.72% | 0.52%-13.2pp | 0.25%-13.0pp | 519.81%-532.5pp |
| Employer contribution / active EE | $12,260 | $4,984+146.0% | $3,520+248.3% | $4,779+156.5% |
| Participant deferral / active EE | $18,500 | $7,230+155.9% | $5,421+241.2% | $5,609+229.8% |
| Admin fee / account holder | $124,202 | $15,952+678.6% | $7,510+1553.9% | $10,828+1047.0% |