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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 | $130,466 | $127,387+2.4% | $115,038+13.4% | $125,389+4.0% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -5.63% | 31.28%-36.9pp | 26.14%-31.8pp | 282.24%-287.9pp |
| Employer contribution / active EE | $2,713 | $5,166-47.5% | $4,608-41.1% | $4,866-44.2% |
| Participant deferral / active EE | $12,352 | $6,423+92.3% | $6,026+105.0% | $5,352+130.8% |
| Admin fee / account holder | $7,700 | $9,516-19.1% | $8,175-5.8% | $9,541-19.3% |