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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 | $71,786 | $167,522-57.1% | $151,639-52.7% | $134,532-46.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -21.26% | 7.81%-29.1pp | 3.34%-24.6pp | 418.27%-439.5pp |
| Employer contribution / active EE | $11,727 | $6,828+71.7% | $6,165+90.2% | $4,741+147.3% |
| Participant deferral / active EE | $8,493 | $8,986-5.5% | $8,363+1.6% | $6,401+32.7% |
| Admin fee / account holder | $702 | $13,780-94.9% | $11,613-94.0% | $11,429-93.9% |