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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 | $191,544 | $142,392+34.5% | $119,622+60.1% | $134,532+42.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -21.46% | -12.46%-9.0pp | -14.98%-6.5pp | 418.27%-439.7pp |
| Employer contribution / active EE | $11,830 | $5,224+126.5% | $4,232+179.5% | $4,741+149.5% |
| Participant deferral / active EE | $11,752 | $6,467+81.7% | $5,601+109.8% | $6,401+83.6% |
| Admin fee / account holder | $1,077 | $13,593-92.1% | $10,328-89.6% | $11,429-90.6% |