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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 | $23,144 | $107,809-78.5% | $90,657-74.5% | $135,379-82.9% |
| Participation rate | 95.8% | 78.0%+17.8pp | 74.0%+21.8pp | 82.6%+13.2pp |
| Annual return | -11.40% | -0.90%-10.5pp | 1.89%-13.3pp | 519.79%-531.2pp |
| Employer contribution / active EE | $14,028 | $3,018+364.8% | $2,532+454.1% | $4,779+193.5% |
| Participant deferral / active EE | $1,856 | $3,872-52.1% | $3,424-45.8% | $5,609-66.9% |
| Admin fee / account holder | $355 | $5,931-94.0% | $4,994-92.9% | $10,828-96.7% |