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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 | $144,702 | $73,863+95.9% | $143,797+0.6% | $68,490+111.3% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -20.29% | 0.91%-21.2pp | -0.04%-20.3pp | -7.85%-12.4pp |
| Employer contribution / active EE | $5,962 | $3,185+87.2% | $4,952+20.4% | $2,597+129.6% |
| Participant deferral / active EE | $5,421 | $3,385+60.2% | $5,638-3.8% | $4,028+34.6% |
| Admin fee / account holder | $376 | $5,756-93.5% | $14,679-97.4% | $5,403-93.0% |