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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 | $32,351 | $167,323-80.7% | $143,770-77.5% | $134,493-75.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -20.97% | 0.47%-21.4pp | -0.04%-20.9pp | 418.01%-439.0pp |
| Employer contribution / active EE | $17,163 | $5,619+205.4% | $4,951+246.7% | $4,740+262.1% |
| Participant deferral / active EE | $6,366 | $6,446-1.2% | $5,638+12.9% | $6,400-0.5% |
| Admin fee / account holder | $1,961 | $18,088-89.2% | $14,673-86.6% | $11,425-82.8% |