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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 | $25,026 | $127,096-80.3% | $105,736-76.3% | $135,380-81.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 76.3%+23.7pp | 82.6%+17.4pp |
| Annual return | -31.02% | 4.49%-35.5pp | 6.27%-37.3pp | 519.81%-550.8pp |
| Employer contribution / active EE | $4,744 | $4,107+15.5% | $3,268+45.2% | $4,779-0.7% |
| Participant deferral / active EE | $15,718 | $5,064+210.4% | $4,080+285.3% | $5,609+180.2% |
| Admin fee / account holder | $334 | $9,087-96.3% | $6,913-95.2% | $10,828-96.9% |