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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 | $39,739 | $105,866-62.5% | $90,766-56.2% | $134,545-70.5% |
| Participation rate | 75.0% | 78.3%-3.3pp | 75.7%-0.7pp | 81.2%-6.2pp |
| Annual return | -20.69% | -10.99%-9.7pp | -12.16%-8.5pp | 418.37%-439.1pp |
| Employer contribution / active EE | $2,346 | $3,464-32.3% | $2,922-19.7% | $4,742-50.5% |
| Participant deferral / active EE | $6,959 | $5,217+33.4% | $4,565+52.4% | $6,401+8.7% |
| Admin fee / account holder | $347 | $13,938-97.5% | $8,446-95.9% | $11,431-97.0% |