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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 | $90,364 | $87,546+3.2% | $75,784+19.2% | $125,389-27.9% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -10.40% | 13.49%-23.9pp | 9.68%-20.1pp | 282.24%-292.6pp |
| Employer contribution / active EE | $26,667 | $3,930+578.5% | $3,323+702.4% | $4,866+448.0% |
| Participant deferral / active EE | $22,000 | $4,230+420.2% | $3,652+502.5% | $5,352+311.1% |
| Admin fee / account holder | $1,183 | $6,503-81.8% | $5,300-77.7% | $9,541-87.6% |