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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 | $47,511 | $167,522-71.6% | $151,639-68.7% | $134,532-64.7% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -37.18% | 7.81%-45.0pp | 3.34%-40.5pp | 418.27%-455.4pp |
| Employer contribution / active EE | $8,691 | $6,828+27.3% | $6,165+41.0% | $4,741+83.3% |
| Participant deferral / active EE | $22,869 | $8,986+154.5% | $8,363+173.4% | $6,401+257.3% |
| Admin fee / account holder | $3,981 | $13,780-71.1% | $11,613-65.7% | $11,429-65.2% |