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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 | $79,900 | $165,381-51.7% | $149,730-46.6% | $158,966-49.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | -12.67% | 348.29%-361.0pp | 276.70%-289.4pp | 302.95%-315.6pp |
| Employer contribution / active EE | $12,215 | $5,104+139.3% | $4,645+162.9% | $4,762+156.5% |
| Participant deferral / active EE | $6,150 | $7,182-14.4% | $6,843-10.1% | $5,983+2.8% |
| Admin fee / account holder | $306 | $10,809-97.2% | $9,310-96.7% | $11,250-97.3% |