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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 | $217,976 | $142,409+53.1% | $119,634+82.2% | $134,545+62.0% |
| Participation rate | 77.8% | 82.8%-5.1pp | 79.3%-1.5pp | 81.2%-3.5pp |
| Annual return | -25.12% | -12.46%-12.7pp | -14.98%-10.1pp | 418.37%-443.5pp |
| Employer contribution / active EE | $5,036 | $5,224-3.6% | $4,232+19.0% | $4,742+6.2% |
| Participant deferral / active EE | $6,313 | $6,468-2.4% | $5,601+12.7% | $6,401-1.4% |
| Admin fee / account holder | $33,177 | $13,594+144.0% | $10,329+221.2% | $11,431+190.2% |