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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 | $68,050 | $127,096-46.5% | $105,736-35.6% | $135,380-49.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 76.3%+23.7pp | 82.6%+17.4pp |
| Annual return | -9.25% | 4.49%-13.7pp | 6.27%-15.5pp | 519.81%-529.1pp |
| Employer contribution / active EE | $9,802 | $4,107+138.7% | $3,268+199.9% | $4,779+105.1% |
| Participant deferral / active EE | $15,175 | $5,064+199.6% | $4,080+271.9% | $5,609+170.5% |
| Admin fee / account holder | $1,928 | $9,087-78.8% | $6,913-72.1% | $10,828-82.2% |