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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 | $98,934 | $99,032-0.1% | $80,022+23.6% | $135,382-26.9% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | -9.34% | 15.39%-24.7pp | 11.22%-20.6pp | 519.77%-529.1pp |
| Employer contribution / active EE | $7,641 | $3,043+151.1% | $2,468+209.6% | $4,779+59.9% |
| Participant deferral / active EE | $8,690 | $4,282+102.9% | $3,686+135.8% | $5,609+54.9% |
| Admin fee / account holder | $838 | $10,436-92.0% | $6,521-87.1% | $10,829-92.3% |