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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 | $80,238 | $167,362-52.1% | $143,799-44.2% | $134,532-40.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -20.54% | 0.47%-21.0pp | -0.04%-20.5pp | 418.27%-438.8pp |
| Employer contribution / active EE | $2,618 | $5,620-53.4% | $4,952-47.1% | $4,741-44.8% |
| Participant deferral / active EE | $12,600 | $6,447+95.4% | $5,638+123.5% | $6,401+96.8% |
| Admin fee / account holder | $571 | $18,094-96.8% | $14,677-96.1% | $11,429-95.0% |