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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 | $24,411 | $53,162-54.1% | $91,225-73.2% | $68,486-64.4% |
| Participation rate | 73.9% | 63.2%+10.7pp | 73.2%+0.7pp | 67.9%+6.0pp |
| Annual return | -20.33% | -3.14%-17.2pp | 114.12%-134.4pp | -7.85%-12.5pp |
| Employer contribution / active EE | $893 | $1,709-47.8% | $2,851-68.7% | $2,597-65.6% |
| Participant deferral / active EE | $2,397 | $2,974-19.4% | $4,233-43.4% | $4,028-40.5% |
| Admin fee / account holder | $2,241 | $4,493-50.1% | $5,422-58.7% | $5,404-58.5% |