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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 | $132,033 | $90,590+45.7% | $90,782+45.4% | $135,379-2.5% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.7%+17.3pp | 82.6%+17.4pp |
| Annual return | -10.25% | -3.40%-6.9pp | -3.42%-6.8pp | 519.79%-530.0pp |
| Employer contribution / active EE | $5,414 | $4,352+24.4% | $4,105+31.9% | $4,779+13.3% |
| Participant deferral / active EE | $4,936 | $5,407-8.7% | $5,366-8.0% | $5,609-12.0% |
| Admin fee / account holder | $1,216 | $7,683-84.2% | $5,908-79.4% | $10,828-88.8% |