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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 | $33,345 | $211,946-84.3% | $169,452-80.3% | $135,379-75.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -12.74% | 3.26%-16.0pp | 1.83%-14.6pp | 519.79%-532.5pp |
| Employer contribution / active EE | $17,026 | $5,117+232.7% | $4,157+309.6% | $4,779+256.3% |
| Participant deferral / active EE | $6,187 | $6,075+1.8% | $5,277+17.2% | $5,609+10.3% |
| Admin fee / account holder | $1,545 | $11,472-86.5% | $9,110-83.0% | $10,828-85.7% |