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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 | $179,249 | $167,522+7.0% | $151,639+18.2% | $134,532+33.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -28.16% | 7.81%-36.0pp | 3.34%-31.5pp | 418.27%-446.4pp |
| Employer contribution / active EE | $3,958 | $6,828-42.0% | $6,165-35.8% | $4,741-16.5% |
| Participant deferral / active EE | $3,900 | $8,986-56.6% | $8,363-53.4% | $6,401-39.1% |
| Admin fee / account holder | $1,089 | $13,780-92.1% | $11,613-90.6% | $11,429-90.5% |