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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 | $43,997 | $167,353-73.7% | $143,797-69.4% | $134,545-67.3% |
| Participation rate | 88.9% | 84.8%+4.1pp | 80.3%+8.6pp | 81.2%+7.7pp |
| Annual return | -22.75% | 0.48%-23.2pp | -0.04%-22.7pp | 418.37%-441.1pp |
| Employer contribution / active EE | $7,944 | $5,620+41.3% | $4,952+60.4% | $4,742+67.5% |
| Participant deferral / active EE | $7,864 | $6,447+22.0% | $5,638+39.5% | $6,401+22.9% |
| Admin fee / account holder | $678 | $18,096-96.3% | $14,679-95.4% | $11,431-94.1% |