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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 | $141,412 | $106,115+33.3% | $85,969+64.5% | $125,389+12.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 76.5%+23.5pp | 83.2%+16.8pp |
| Annual return | -5.00% | 13.93%-18.9pp | 9.32%-14.3pp | 282.24%-287.2pp |
| Employer contribution / active EE | $18,614 | $4,537+310.3% | $3,474+435.7% | $4,866+282.5% |
| Participant deferral / active EE | $4,911 | $4,859+1.1% | $3,829+28.2% | $5,352-8.2% |
| Admin fee / account holder | $2,970 | $8,144-63.5% | $6,053-50.9% | $9,541-68.9% |