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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 | $138,024 | $167,362-17.5% | $143,799-4.0% | $134,532+2.6% |
| Participation rate | 94.7% | 84.8%+9.9pp | 80.3%+14.4pp | 81.2%+13.5pp |
| Annual return | -22.87% | 0.47%-23.3pp | -0.04%-22.8pp | 418.27%-441.1pp |
| Employer contribution / active EE | $2,767 | $5,620-50.8% | $4,952-44.1% | $4,741-41.6% |
| Participant deferral / active EE | $8,259 | $6,447+28.1% | $5,638+46.5% | $6,401+29.0% |
| Admin fee / account holder | $2,535 | $18,094-86.0% | $14,677-82.7% | $11,429-77.8% |