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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 | $60,787 | $167,504-63.7% | $151,628-59.9% | $134,509-54.8% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -23.49% | 7.81%-31.3pp | 3.34%-26.8pp | 418.13%-441.6pp |
| Employer contribution / active EE | $15,127 | $6,828+121.5% | $6,165+145.4% | $4,741+219.1% |
| Participant deferral / active EE | $9,233 | $8,985+2.8% | $8,363+10.4% | $6,400+44.3% |
| Admin fee / account holder | $813 | $13,779-94.1% | $11,613-93.0% | $11,427-92.9% |