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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 | $121,299 | $53,546+126.5% | $69,884+73.6% | $68,486+77.1% |
| Participation rate | 97.1% | 64.5%+32.5pp | 70.5%+26.6pp | 67.9%+29.2pp |
| Annual return | -19.92% | -13.87%-6.0pp | 190.81%-210.7pp | -7.85%-12.1pp |
| Employer contribution / active EE | $11,478 | $2,019+468.5% | $2,560+348.3% | $2,597+342.0% |
| Participant deferral / active EE | $12,818 | $2,957+333.5% | $3,848+233.1% | $4,028+218.3% |
| Admin fee / account holder | $6,342 | $4,693+35.2% | $6,266+1.2% | $5,404+17.4% |