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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 | $98,104 | $140,578-30.2% | $100,671-2.5% | $125,389-21.8% |
| Participation rate | 100.0% | 80.4%+19.6pp | 70.7%+29.3pp | 83.2%+16.8pp |
| Annual return | -7.13% | 24.67%-31.8pp | 20.43%-27.6pp | 282.24%-289.4pp |
| Employer contribution / active EE | $3,318 | $5,965-44.4% | $4,012-17.3% | $4,866-31.8% |
| Participant deferral / active EE | $2,700 | $3,981-32.2% | $3,144-14.1% | $5,352-49.5% |
| Admin fee / account holder | $469 | $6,716-93.0% | $4,850-90.3% | $9,541-95.1% |