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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 | $76,839 | $92,219-16.7% | $76,767+0.1% | $135,380-43.2% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -11.02% | 5.46%-16.5pp | 2.43%-13.5pp | 519.81%-530.8pp |
| Employer contribution / active EE | $15,477 | $3,216+381.3% | $2,485+522.8% | $4,779+223.9% |
| Participant deferral / active EE | $11,070 | $4,508+145.5% | $3,852+187.4% | $5,609+97.4% |
| Admin fee / account holder | $1,480 | $10,749-86.2% | $6,675-77.8% | $10,828-86.3% |