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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 | $41,981 | $167,533-74.9% | $151,645-72.3% | $134,545-68.8% |
| Participation rate | 90.9% | 88.4%+2.5pp | 87.5%+3.4pp | 81.2%+9.7pp |
| Annual return | -21.18% | 7.81%-29.0pp | 3.34%-24.5pp | 418.37%-439.5pp |
| Employer contribution / active EE | $3,426 | $6,828-49.8% | $6,165-44.4% | $4,742-27.7% |
| Participant deferral / active EE | $8,587 | $8,985-4.4% | $8,363+2.7% | $6,401+34.1% |
| Admin fee / account holder | $859 | $13,781-93.8% | $11,614-92.6% | $11,431-92.5% |