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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 | $124,624 | $84,518+47.5% | $67,704+84.1% | $125,388-0.6% |
| Participation rate | 100.0% | 74.8%+25.2pp | 67.5%+32.5pp | 83.2%+16.8pp |
| Annual return | -5.67% | 2.57%-8.2pp | 25.41%-31.1pp | 282.24%-287.9pp |
| Employer contribution / active EE | $11,179 | $3,292+239.6% | $2,559+336.8% | $4,866+129.7% |
| Participant deferral / active EE | $5,548 | $4,430+25.3% | $3,585+54.8% | $5,352+3.7% |
| Admin fee / account holder | $1,810 | $5,340-66.1% | $4,255-57.5% | $9,541-81.0% |