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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 | $37,849 | $167,353-77.4% | $143,797-73.7% | $134,545-71.9% |
| Participation rate | 73.7% | 84.8%-11.1pp | 80.3%-6.6pp | 81.2%-7.5pp |
| Annual return | -23.22% | 0.48%-23.7pp | -0.04%-23.2pp | 418.37%-441.6pp |
| Employer contribution / active EE | $3,667 | $5,620-34.8% | $4,952-26.0% | $4,742-22.7% |
| Participant deferral / active EE | $5,927 | $6,447-8.1% | $5,638+5.1% | $6,401-7.4% |
| Admin fee / account holder | $829 | $18,096-95.4% | $14,679-94.4% | $11,431-92.7% |