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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 | $19,685 | $115,917-83.0% | $100,535-80.4% | $158,982-87.6% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | -1.42% | 34.80%-36.2pp | 30.90%-32.3pp | 302.99%-304.4pp |
| Employer contribution / active EE | $577 | $4,105-85.9% | $3,419-83.1% | $4,763-87.9% |
| Participant deferral / active EE | $9,424 | $6,677+41.2% | $6,271+50.3% | $5,983+57.5% |
| Admin fee / account holder | $2,995 | $11,002-72.8% | $8,085-63.0% | $11,252-73.4% |