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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 | $22,343 | $69,541-67.9% | $59,899-62.7% | $135,380-83.5% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.7%+25.3pp | 82.6%+17.4pp |
| Annual return | -9.72% | 7.95%-17.7pp | 3.46%-13.2pp | 519.81%-529.5pp |
| Employer contribution / active EE | $6,545 | $3,236+102.3% | $2,723+140.4% | $4,779+37.0% |
| Participant deferral / active EE | $9,835 | $4,206+133.9% | $3,402+189.1% | $5,609+75.3% |
| Admin fee / account holder | $488 | $5,737-91.5% | $3,592-86.4% | $10,828-95.5% |