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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 | $73,973 | $133,998-44.8% | $112,263-34.1% | $134,545-45.0% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -26.91% | 47.17%-74.1pp | 27.49%-54.4pp | 418.37%-445.3pp |
| Employer contribution / active EE | $12,360 | $4,040+205.9% | $3,636+239.9% | $4,742+160.7% |
| Participant deferral / active EE | $10,250 | $5,292+93.7% | $4,729+116.7% | $6,401+60.1% |
| Admin fee / account holder | $1,438 | $7,493-80.8% | $6,410-77.6% | $11,431-87.4% |