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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 | $44,685 | $138,076-67.6% | $123,553-63.8% | $135,380-67.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -11.17% | 153.70%-164.9pp | 119.21%-130.4pp | 519.81%-531.0pp |
| Employer contribution / active EE | $6,337 | $5,152+23.0% | $4,628+36.9% | $4,779+32.6% |
| Participant deferral / active EE | $6,640 | $6,800-2.3% | $6,426+3.3% | $5,609+18.4% |
| Admin fee / account holder | $380 | $10,917-96.5% | $9,284-95.9% | $10,828-96.5% |