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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 | $200,517 | $127,387+57.4% | $115,038+74.3% | $125,389+59.9% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -3.55% | 31.28%-34.8pp | 26.14%-29.7pp | 282.24%-285.8pp |
| Employer contribution / active EE | $8,353 | $5,166+61.7% | $4,608+81.3% | $4,866+71.6% |
| Participant deferral / active EE | $6,205 | $6,423-3.4% | $6,026+3.0% | $5,352+15.9% |
| Admin fee / account holder | $325 | $9,516-96.6% | $8,175-96.0% | $9,541-96.6% |