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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 | $110,031 | $72,404+52.0% | $110,243-0.2% | $64,173+71.5% |
| Participation rate | 88.0% | 73.3%+14.7pp | 79.8%+8.2pp | 69.6%+18.4pp |
| Annual return | -8.05% | -6.29%-1.8pp | 314.76%-322.8pp | 7.63%-15.7pp |
| Employer contribution / active EE | $3,883 | $2,282+70.2% | $3,827+1.5% | $2,381+63.1% |
| Participant deferral / active EE | $8,459 | $3,469+143.8% | $4,672+81.1% | $3,470+143.8% |
| Admin fee / account holder | $1,226 | $5,664-78.4% | $8,548-85.7% | $4,887-74.9% |