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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 | $129,999 | $71,878+80.9% | $86,698+49.9% | $68,486+89.8% |
| Participation rate | 100.0% | 72.2%+27.8pp | 76.6%+23.4pp | 67.9%+32.1pp |
| Annual return | -19.82% | 3.53%-23.4pp | 35.95%-55.8pp | -7.85%-12.0pp |
| Employer contribution / active EE | $7,581 | $2,173+248.8% | $2,837+167.2% | $2,597+191.9% |
| Participant deferral / active EE | $6,311 | $3,779+67.0% | $4,656+35.5% | $4,028+56.7% |
| Admin fee / account holder | $7,508 | $6,113+22.8% | $7,493+0.2% | $5,404+38.9% |