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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 | $112,233 | $91,198+23.1% | $178,503-37.1% | $79,856+40.5% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | -5.70% | 24.20%-29.9pp | 151.12%-156.8pp | 31.71%-37.4pp |
| Employer contribution / active EE | $4,074 | $3,257+25.1% | $5,011-18.7% | $2,471+64.9% |
| Participant deferral / active EE | $4,018 | $3,237+24.1% | $5,202-22.8% | $3,741+7.4% |
| Admin fee / account holder | $98,463 | $6,748+1359.1% | $13,987+604.0% | $5,306+1755.5% |