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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 | $116,598 | $53,546+117.8% | $69,890+66.8% | $68,490+70.2% |
| Participation rate | 100.0% | 64.5%+35.5pp | 70.5%+29.5pp | 67.9%+32.1pp |
| Annual return | -21.41% | -13.87%-7.5pp | 190.84%-212.3pp | -7.85%-13.6pp |
| Employer contribution / active EE | $8,044 | $2,019+298.4% | $2,560+214.2% | $2,597+209.8% |
| Participant deferral / active EE | $4,659 | $2,957+57.6% | $3,848+21.1% | $4,028+15.7% |
| Admin fee / account holder | $2,567 | $4,693-45.3% | $6,267-59.0% | $5,403-52.5% |