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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 | $56,856 | $116,203-51.1% | $93,621-39.3% | $152,897-62.8% |
| Participation rate | 75.0% | 78.1%-3.1pp | 75.8%-0.8pp | 82.5%-7.5pp |
| Annual return | -17.59% | 35.96%-53.6pp | 32.76%-50.4pp | 345.43%-363.0pp |
| Employer contribution / active EE | $1,482 | $3,219-54.0% | $2,719-45.5% | $4,764-68.9% |
| Participant deferral / active EE | $6,488 | $4,605+40.9% | $4,070+59.4% | $5,851+10.9% |
| Admin fee / account holder | $15,289 | $10,751+42.2% | $7,890+93.8% | $11,599+31.8% |