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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 | $13,978 | $53,162-73.7% | $91,225-84.7% | $68,495-79.6% |
| Participation rate | 100.0% | 63.2%+36.8pp | 73.2%+26.8pp | 67.9%+32.1pp |
| Annual return | -26.63% | -3.14%-23.5pp | 114.10%-140.7pp | -7.84%-18.8pp |
| Employer contribution / active EE | $3,275 | $1,709+91.6% | $2,851+14.9% | $2,596+26.1% |
| Participant deferral / active EE | $8,065 | $2,974+171.2% | $4,234+90.5% | $4,028+100.2% |
| Admin fee / account holder | $1,057 | $4,493-76.5% | $5,422-80.5% | $5,403-80.4% |