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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 | $225,466 | $167,362+34.7% | $143,799+56.8% | $134,532+67.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -21.02% | 0.47%-21.5pp | -0.04%-21.0pp | 418.27%-439.3pp |
| Employer contribution / active EE | $10,111 | $5,620+79.9% | $4,952+104.2% | $4,741+113.3% |
| Participant deferral / active EE | $4,904 | $6,447-23.9% | $5,638-13.0% | $6,401-23.4% |
| Admin fee / account holder | $2,984 | $18,094-83.5% | $14,677-79.7% | $11,429-73.9% |