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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 | $50,209 | $133,998-62.5% | $112,263-55.3% | $134,545-62.7% |
| Participation rate | 91.7% | 78.6%+13.1pp | 75.1%+16.6pp | 81.2%+10.4pp |
| Annual return | -20.92% | 47.17%-68.1pp | 27.49%-48.4pp | 418.37%-439.3pp |
| Employer contribution / active EE | $11,331 | $4,040+180.5% | $3,636+211.6% | $4,742+139.0% |
| Participant deferral / active EE | $5,886 | $5,292+11.2% | $4,729+24.5% | $6,401-8.0% |
| Admin fee / account holder | $1,001 | $7,493-86.6% | $6,410-84.4% | $11,431-91.2% |