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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 | $56,585 | $142,392-60.3% | $119,622-52.7% | $134,532-57.9% |
| Participation rate | 93.8% | 82.8%+10.9pp | 79.3%+14.5pp | 81.2%+12.5pp |
| Annual return | -24.71% | -12.46%-12.3pp | -14.98%-9.7pp | 418.27%-443.0pp |
| Employer contribution / active EE | $8,637 | $5,224+65.3% | $4,232+104.1% | $4,741+82.2% |
| Participant deferral / active EE | $11,244 | $6,467+73.9% | $5,601+100.8% | $6,401+75.7% |
| Admin fee / account holder | $632 | $13,593-95.4% | $10,328-93.9% | $11,429-94.5% |