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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 | $215,272 | $83,908+156.6% | $68,509+214.2% | $125,388+71.7% |
| Participation rate | 100.0% | 78.2%+21.8pp | 74.7%+25.3pp | 83.2%+16.8pp |
| Annual return | -3.46% | 14.48%-17.9pp | 8.27%-11.7pp | 282.24%-285.7pp |
| Employer contribution / active EE | $13,802 | $3,031+355.4% | $2,278+505.9% | $4,866+183.6% |
| Participant deferral / active EE | $13,067 | $4,125+216.8% | $3,382+286.3% | $5,352+144.2% |
| Admin fee / account holder | $17,617 | $8,982+96.1% | $5,275+234.0% | $9,541+84.6% |