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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 | $23,684 | $127,387-81.4% | $115,038-79.4% | $125,389-81.1% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -10.44% | 31.28%-41.7pp | 26.14%-36.6pp | 282.24%-292.7pp |
| Employer contribution / active EE | $3,923 | $5,166-24.1% | $4,608-14.9% | $4,866-19.4% |
| Participant deferral / active EE | $14,328 | $6,423+123.1% | $6,026+137.8% | $5,352+167.7% |
| Admin fee / account holder | $1,176 | $9,516-87.6% | $8,175-85.6% | $9,541-87.7% |