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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 | $134,636 | $211,946-36.5% | $169,452-20.5% | $135,380-0.5% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -9.51% | 3.26%-12.8pp | 1.83%-11.3pp | 519.81%-529.3pp |
| Employer contribution / active EE | $2,176 | $5,117-57.5% | $4,157-47.6% | $4,779-54.5% |
| Participant deferral / active EE | $3,508 | $6,075-42.3% | $5,277-33.5% | $5,609-37.5% |
| Admin fee / account holder | $474 | $11,472-95.9% | $9,110-94.8% | $10,828-95.6% |