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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 | $39,286 | $167,323-76.5% | $143,770-72.7% | $134,493-70.8% |
| Participation rate | 90.0% | 84.8%+5.2pp | 80.3%+9.7pp | 81.2%+8.8pp |
| Annual return | -24.71% | 0.47%-25.2pp | -0.04%-24.7pp | 418.01%-442.7pp |
| Employer contribution / active EE | $10,097 | $5,619+79.7% | $4,951+103.9% | $4,740+113.0% |
| Participant deferral / active EE | $7,147 | $6,446+10.9% | $5,638+26.8% | $6,400+11.7% |
| Admin fee / account holder | $582 | $18,088-96.8% | $14,673-96.0% | $11,425-94.9% |