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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 | $47,968 | $92,219-48.0% | $76,767-37.5% | $135,380-64.6% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -12.08% | 5.46%-17.5pp | 2.43%-14.5pp | 519.81%-531.9pp |
| Employer contribution / active EE | $6,583 | $3,216+104.7% | $2,485+164.9% | $4,779+37.8% |
| Participant deferral / active EE | $7,997 | $4,508+77.4% | $3,852+107.6% | $5,609+42.6% |
| Admin fee / account holder | $352 | $10,749-96.7% | $6,675-94.7% | $10,828-96.8% |