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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 | $47,464 | $167,352-71.6% | $143,788-67.0% | $134,509-64.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -21.64% | 0.47%-22.1pp | -0.03%-21.6pp | 418.13%-439.8pp |
| Employer contribution / active EE | $14,172 | $5,620+152.2% | $4,952+186.2% | $4,741+198.9% |
| Participant deferral / active EE | $11,350 | $6,447+76.1% | $5,638+101.3% | $6,400+77.3% |
| Admin fee / account holder | $2,159 | $18,091-88.1% | $14,675-85.3% | $11,427-81.1% |