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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 | $150,374 | $86,701+73.4% | $73,309+105.1% | $125,389+19.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 74.9%+25.1pp | 83.2%+16.8pp |
| Annual return | -27.87% | 2.78%-30.6pp | 5.67%-33.5pp | 282.24%-310.1pp |
| Employer contribution / active EE | $11,443 | $4,152+175.6% | $3,237+253.5% | $4,866+135.2% |
| Participant deferral / active EE | $6,000 | $5,549+8.1% | $4,991+20.2% | $5,352+12.1% |
| Admin fee / account holder | $642 | $7,768-91.7% | $5,635-88.6% | $9,541-93.3% |