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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 | $37,761 | $100,805-62.5% | $86,698-56.4% | $134,532-71.9% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -22.05% | 29.09%-51.1pp | 35.95%-58.0pp | 418.27%-440.3pp |
| Employer contribution / active EE | $2,249 | $3,490-35.6% | $2,837-20.7% | $4,741-52.6% |
| Participant deferral / active EE | $5,060 | $5,339-5.2% | $4,656+8.7% | $6,401-21.0% |
| Admin fee / account holder | $1,089 | $10,925-90.0% | $7,493-85.5% | $11,429-90.5% |