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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 | $108,607 | $102,828+5.6% | $105,387+3.1% | $152,897-29.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | -0.91% | 20.85%-21.8pp | 26.82%-27.7pp | 345.43%-346.3pp |
| Employer contribution / active EE | $6,803 | $4,473+52.1% | $4,213+61.5% | $4,764+42.8% |
| Participant deferral / active EE | $0 | $5,465-100.0% | $5,502-100.0% | $5,851-100.0% |
| Admin fee / account holder | $3,465 | $8,683-60.1% | $6,559-47.2% | $11,599-70.1% |