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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 | $149,281 | $165,381-9.7% | $149,730-0.3% | $158,966-6.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | -4.30% | 348.29%-352.6pp | 276.70%-281.0pp | 302.95%-307.3pp |
| Employer contribution / active EE | $2,114 | $5,104-58.6% | $4,645-54.5% | $4,762-55.6% |
| Participant deferral / active EE | $12,272 | $7,182+70.9% | $6,843+79.3% | $5,983+105.1% |
| Admin fee / account holder | $1,687 | $10,809-84.4% | $9,310-81.9% | $11,250-85.0% |