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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 | $182,914 | $92,219+98.3% | $76,768+138.3% | $135,379+35.1% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -8.75% | 5.46%-14.2pp | 2.43%-11.2pp | 519.79%-528.5pp |
| Employer contribution / active EE | $3,260 | $3,216+1.4% | $2,485+31.2% | $4,779-31.8% |
| Participant deferral / active EE | $11,701 | $4,508+159.5% | $3,852+203.8% | $5,609+108.6% |
| Admin fee / account holder | $1,539 | $10,749-85.7% | $6,675-76.9% | $10,828-85.8% |