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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 | $19,548 | $85,790-77.2% | $67,313-71.0% | $135,380-85.6% |
| Participation rate | 76.5% | 76.5%0pp | 69.1%+7.4pp | 82.6%-6.2pp |
| Annual return | -11.43% | -0.54%-10.9pp | -4.08%-7.4pp | 519.81%-531.2pp |
| Employer contribution / active EE | $2,404 | $3,487-31.1% | $2,566-6.3% | $4,779-49.7% |
| Participant deferral / active EE | $3,048 | $4,651-34.5% | $3,568-14.6% | $5,609-45.7% |
| Admin fee / account holder | $517 | $6,392-91.9% | $4,507-88.5% | $10,828-95.2% |