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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 | $173,696 | $127,387+36.4% | $115,038+51.0% | $125,389+38.5% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -9.40% | 31.28%-40.7pp | 26.14%-35.5pp | 282.24%-291.6pp |
| Employer contribution / active EE | $3,975 | $5,166-23.1% | $4,608-13.7% | $4,866-18.3% |
| Participant deferral / active EE | $12,000 | $6,423+86.8% | $6,026+99.1% | $5,352+124.2% |
| Admin fee / account holder | $4,468 | $9,516-53.0% | $8,175-45.3% | $9,541-53.2% |