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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 | $158,533 | $133,981+18.3% | $112,249+41.2% | $134,532+17.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -21.25% | 47.16%-68.4pp | 27.48%-48.7pp | 418.27%-439.5pp |
| Employer contribution / active EE | $3,547 | $4,040-12.2% | $3,636-2.5% | $4,741-25.2% |
| Participant deferral / active EE | $11,823 | $5,292+123.4% | $4,729+150.0% | $6,401+84.7% |
| Admin fee / account holder | $4,675 | $7,492-37.6% | $6,412-27.1% | $11,429-59.1% |