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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 | $145,824 | $133,998+8.8% | $112,263+29.9% | $134,545+8.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -26.98% | 47.17%-74.2pp | 27.49%-54.5pp | 418.37%-445.3pp |
| Employer contribution / active EE | $16,006 | $4,040+296.2% | $3,636+340.2% | $4,742+237.6% |
| Participant deferral / active EE | $15,453 | $5,292+192.0% | $4,729+226.7% | $6,401+141.4% |
| Admin fee / account holder | $1,503 | $7,493-79.9% | $6,410-76.6% | $11,431-86.9% |