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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 | $155,527 | $167,362-7.1% | $143,799+8.2% | $134,532+15.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -20.11% | 0.47%-20.6pp | -0.04%-20.1pp | 418.27%-438.4pp |
| Employer contribution / active EE | $20,016 | $5,620+256.1% | $4,952+304.2% | $4,741+322.2% |
| Participant deferral / active EE | $11,879 | $6,447+84.2% | $5,638+110.7% | $6,401+85.6% |
| Admin fee / account holder | $2,762 | $18,094-84.7% | $14,677-81.2% | $11,429-75.8% |