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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 | $45,512 | $127,387-64.3% | $115,038-60.4% | $125,389-63.7% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -4.09% | 31.28%-35.4pp | 26.14%-30.2pp | 282.24%-286.3pp |
| Employer contribution / active EE | $2,735 | $5,166-47.1% | $4,608-40.6% | $4,866-43.8% |
| Participant deferral / active EE | $4,975 | $6,423-22.5% | $6,026-17.4% | $5,352-7.0% |
| Admin fee / account holder | $538 | $9,516-94.4% | $8,175-93.4% | $9,541-94.4% |