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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 | $166,612 | $95,915+73.7% | $79,580+109.4% | $134,532+23.8% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -25.19% | -2.71%-22.5pp | 0.15%-25.3pp | 418.27%-443.5pp |
| Employer contribution / active EE | $8,419 | $3,129+169.1% | $2,413+248.8% | $4,741+77.6% |
| Participant deferral / active EE | $5,857 | $4,693+24.8% | $3,985+47.0% | $6,401-8.5% |
| Admin fee / account holder | $437 | $9,132-95.2% | $6,835-93.6% | $11,429-96.2% |