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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 | $179,931 | $167,352+7.5% | $143,788+25.1% | $134,509+33.8% |
| Participation rate | 78.3% | 84.8%-6.6pp | 80.3%-2.1pp | 81.2%-3.0pp |
| Annual return | -20.42% | 0.47%-20.9pp | -0.03%-20.4pp | 418.13%-438.6pp |
| Employer contribution / active EE | $2,021 | $5,620-64.0% | $4,952-59.2% | $4,741-57.4% |
| Participant deferral / active EE | $4,662 | $6,447-27.7% | $5,638-17.3% | $6,400-27.2% |
| Admin fee / account holder | $1,084 | $18,091-94.0% | $14,675-92.6% | $11,427-90.5% |