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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 | $65,469 | $127,387-48.6% | $115,038-43.1% | $125,389-47.8% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -5.71% | 31.28%-37.0pp | 26.14%-31.8pp | 282.24%-287.9pp |
| Employer contribution / active EE | $2,379 | $5,166-54.0% | $4,608-48.4% | $4,866-51.1% |
| Participant deferral / active EE | $5,242 | $6,423-18.4% | $6,026-13.0% | $5,352-2.0% |
| Admin fee / account holder | $764 | $9,516-92.0% | $8,175-90.7% | $9,541-92.0% |