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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 | $136,314 | $167,353-18.5% | $143,797-5.2% | $134,545+1.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -20.21% | 0.48%-20.7pp | -0.04%-20.2pp | 418.37%-438.6pp |
| Employer contribution / active EE | $10,041 | $5,620+78.6% | $4,952+102.7% | $4,742+111.8% |
| Participant deferral / active EE | $12,062 | $6,447+87.1% | $5,638+113.9% | $6,401+88.4% |
| Admin fee / account holder | $1,391 | $18,096-92.3% | $14,679-90.5% | $11,431-87.8% |