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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 | $229,349 | $140,592+63.1% | $123,105+86.3% | $125,389+82.9% |
| Participation rate | 83.3% | 88.2%-4.9pp | 86.8%-3.4pp | 83.2%+0.1pp |
| Annual return | -4.88% | 16.80%-21.7pp | 13.22%-18.1pp | 282.24%-287.1pp |
| Employer contribution / active EE | $12,787 | $6,041+111.7% | $5,151+148.2% | $4,866+162.8% |
| Participant deferral / active EE | $12,115 | $6,980+73.6% | $6,229+94.5% | $5,352+126.4% |
| Admin fee / account holder | $417 | $11,198-96.3% | $9,014-95.4% | $9,541-95.6% |