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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 | $125,456 | $127,387-1.5% | $115,038+9.1% | $125,389+0.1% |
| Participation rate | 91.7% | 84.2%+7.5pp | 81.4%+10.3pp | 83.2%+8.5pp |
| Annual return | -3.69% | 31.28%-35.0pp | 26.14%-29.8pp | 282.24%-285.9pp |
| Employer contribution / active EE | $2,783 | $5,166-46.1% | $4,608-39.6% | $4,866-42.8% |
| Participant deferral / active EE | $6,271 | $6,423-2.4% | $6,026+4.1% | $5,352+17.2% |
| Admin fee / account holder | $975 | $9,516-89.8% | $8,175-88.1% | $9,541-89.8% |