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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 | $51,415 | $105,867-51.4% | $90,760-43.4% | $134,532-61.8% |
| Participation rate | 100.0% | 78.3%+21.7pp | 75.7%+24.3pp | 81.2%+18.8pp |
| Annual return | -21.46% | -10.99%-10.5pp | -12.16%-9.3pp | 418.27%-439.7pp |
| Employer contribution / active EE | $7,785 | $3,464+124.8% | $2,922+166.5% | $4,741+64.2% |
| Participant deferral / active EE | $10,759 | $5,217+106.2% | $4,565+135.7% | $6,401+68.1% |
| Admin fee / account holder | $350 | $13,936-97.5% | $8,444-95.9% | $11,429-96.9% |