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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 | $54,456 | $211,946-74.3% | $169,452-67.9% | $135,379-59.8% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -9.32% | 3.26%-12.6pp | 1.83%-11.1pp | 519.79%-529.1pp |
| Employer contribution / active EE | $28,023 | $5,117+447.7% | $4,157+574.1% | $4,779+486.4% |
| Participant deferral / active EE | $18,326 | $6,075+201.6% | $5,277+247.3% | $5,609+226.7% |
| Admin fee / account holder | $6,947 | $11,472-39.4% | $9,110-23.7% | $10,828-35.8% |