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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 | $62,810 | $110,410-43.1% | $102,437-38.7% | $145,897-56.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | -0.73% | 24.85%-25.6pp | 24.95%-25.7pp | 552.29%-553.0pp |
| Employer contribution / active EE | $12,196 | $4,217+189.2% | $3,871+215.1% | $4,663+161.6% |
| Participant deferral / active EE | $10,213 | $5,622+81.7% | $5,060+101.8% | $6,689+52.7% |
| Admin fee / account holder | $1,246 | $9,745-87.2% | $8,388-85.1% | $13,390-90.7% |