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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 | $128,407 | $133,981-4.2% | $112,249+14.4% | $134,532-4.6% |
| Participation rate | 85.7% | 78.6%+7.2pp | 75.1%+10.7pp | 81.2%+4.5pp |
| Annual return | -21.35% | 47.16%-68.5pp | 27.48%-48.8pp | 418.27%-439.6pp |
| Employer contribution / active EE | $5,000 | $4,040+23.8% | $3,636+37.5% | $4,741+5.5% |
| Participant deferral / active EE | $5,662 | $5,292+7.0% | $4,729+19.7% | $6,401-11.5% |
| Admin fee / account holder | $15,539 | $7,492+107.4% | $6,412+142.3% | $11,429+36.0% |