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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 | $37,616 | $127,387-70.5% | $115,038-67.3% | $125,389-70.0% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -3.77% | 31.28%-35.1pp | 26.14%-29.9pp | 282.24%-286.0pp |
| Employer contribution / active EE | $6,916 | $5,166+33.9% | $4,608+50.1% | $4,866+42.1% |
| Participant deferral / active EE | $4,406 | $6,423-31.4% | $6,026-26.9% | $5,352-17.7% |
| Admin fee / account holder | $613 | $9,516-93.6% | $8,175-92.5% | $9,541-93.6% |