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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 | $131,789 | $131,8350% | $108,582+21.4% | $273,972-51.9% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 0.84% | -91.57%+92.4pp | -51.70%+52.5pp | 41.46%-40.6pp |
| Employer contribution / active EE | $1,442 | $4,913-70.6% | $3,758-61.6% | $4,869-70.4% |
| Participant deferral / active EE | $15,576 | $5,127+203.8% | $4,311+261.3% | $5,287+194.6% |
| Admin fee / account holder | $1,790 | $10,253-82.5% | $7,645-76.6% | $10,133-82.3% |