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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 | $22,497 | $167,362-86.6% | $143,799-84.4% | $134,532-83.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -20.75% | 0.47%-21.2pp | -0.04%-20.7pp | 418.27%-439.0pp |
| Employer contribution / active EE | $3,735 | $5,620-33.6% | $4,952-24.6% | $4,741-21.2% |
| Participant deferral / active EE | $4,934 | $6,447-23.5% | $5,638-12.5% | $6,401-22.9% |
| Admin fee / account holder | $900 | $18,094-95.0% | $14,677-93.9% | $11,429-92.1% |