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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 | $135,884 | $90,590+50.0% | $90,782+49.7% | $135,380+0.4% |
| Participation rate | 86.7% | 83.7%+2.9pp | 82.7%+4.0pp | 82.6%+4.0pp |
| Annual return | -9.69% | -3.40%-6.3pp | -3.42%-6.3pp | 519.81%-529.5pp |
| Employer contribution / active EE | $9,443 | $4,352+117.0% | $4,105+130.0% | $4,779+97.6% |
| Participant deferral / active EE | $9,006 | $5,407+66.6% | $5,366+67.8% | $5,609+60.6% |
| Admin fee / account holder | $2,093 | $7,683-72.8% | $5,908-64.6% | $10,828-80.7% |