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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 | $56,446 | $77,816-27.5% | $123,552-54.3% | $64,173-12.0% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -8.56% | 12.49%-21.0pp | 119.20%-127.8pp | 7.63%-16.2pp |
| Employer contribution / active EE | $6,655 | $3,014+120.8% | $4,628+43.8% | $2,381+179.5% |
| Participant deferral / active EE | $5,670 | $5,240+8.2% | $6,426-11.8% | $3,470+63.4% |
| Admin fee / account holder | $1,683 | $5,519-69.5% | $9,285-81.9% | $4,887-65.6% |