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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 | $43,201 | $56,200-23.1% | $67,653-36.1% | $59,633-27.6% |
| Participation rate | 76.5% | 71.5%+5.0pp | 75.7%+0.8pp | 68.7%+7.8pp |
| Annual return | -2.35% | 18506.71%-18509.1pp | 6625.22%-6627.6pp | 2041.40%-2043.7pp |
| Employer contribution / active EE | $1,303 | $1,615-19.3% | $2,266-42.5% | $2,203-40.8% |
| Participant deferral / active EE | $2,339 | $2,843-17.7% | $3,560-34.3% | $3,192-26.7% |
| Admin fee / account holder | $488 | $3,959-87.7% | $4,821-89.9% | $4,297-88.6% |