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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 | $51,720 | $140,592-63.2% | $123,106-58.0% | $125,388-58.8% |
| Participation rate | 100.0% | 88.2%+11.8pp | 86.8%+13.2pp | 83.2%+16.8pp |
| Annual return | -4.53% | 16.80%-21.3pp | 13.22%-17.7pp | 282.24%-286.8pp |
| Employer contribution / active EE | $8,629 | $6,041+42.8% | $5,151+67.5% | $4,866+77.3% |
| Participant deferral / active EE | $5,107 | $6,980-26.8% | $6,229-18.0% | $5,352-4.6% |
| Admin fee / account holder | $624 | $11,198-94.4% | $9,015-93.1% | $9,541-93.5% |