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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 | $247,551 | $95,915+158.1% | $79,580+211.1% | $134,532+84.0% |
| Participation rate | 90.0% | 75.0%+15.0pp | 69.5%+20.5pp | 81.2%+8.8pp |
| Annual return | -22.48% | -2.71%-19.8pp | 0.15%-22.6pp | 418.27%-440.7pp |
| Employer contribution / active EE | $7,141 | $3,129+128.2% | $2,413+195.9% | $4,741+50.6% |
| Participant deferral / active EE | $8,581 | $4,693+82.8% | $3,985+115.3% | $6,401+34.1% |
| Admin fee / account holder | $21,219 | $9,132+132.4% | $6,835+210.4% | $11,429+85.7% |