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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 | $77,818 | $167,533-53.6% | $151,645-48.7% | $134,545-42.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -31.71% | 7.81%-39.5pp | 3.34%-35.1pp | 418.37%-450.1pp |
| Employer contribution / active EE | $15,130 | $6,828+121.6% | $6,165+145.4% | $4,742+219.1% |
| Participant deferral / active EE | $13,131 | $8,985+46.1% | $8,363+57.0% | $6,401+105.1% |
| Admin fee / account holder | $405 | $13,781-97.1% | $11,614-96.5% | $11,431-96.5% |