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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 | $75,041 | $167,353-55.2% | $143,797-47.8% | $134,545-44.2% |
| Participation rate | 95.5% | 84.8%+10.6pp | 80.3%+15.1pp | 81.2%+14.2pp |
| Annual return | -21.35% | 0.48%-21.8pp | -0.04%-21.3pp | 418.37%-439.7pp |
| Employer contribution / active EE | $10,590 | $5,620+88.4% | $4,952+113.8% | $4,742+123.3% |
| Participant deferral / active EE | $3,533 | $6,447-45.2% | $5,638-37.3% | $6,401-44.8% |
| Admin fee / account holder | $1,107 | $18,096-93.9% | $14,679-92.5% | $11,431-90.3% |