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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 | $171,495 | $133,998+28.0% | $112,263+52.8% | $134,545+27.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -23.17% | 47.17%-70.3pp | 27.49%-50.7pp | 418.37%-441.5pp |
| Employer contribution / active EE | $7,635 | $4,040+89.0% | $3,636+110.0% | $4,742+61.0% |
| Participant deferral / active EE | $13,500 | $5,292+155.1% | $4,729+185.5% | $6,401+110.9% |
| Admin fee / account holder | $1,320 | $7,493-82.4% | $6,410-79.4% | $11,431-88.5% |