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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 | $78,501 | $167,353-53.1% | $143,797-45.4% | $134,545-41.7% |
| Participation rate | 80.0% | 84.8%-4.8pp | 80.3%-0.3pp | 81.2%-1.2pp |
| Annual return | -31.95% | 0.48%-32.4pp | -0.04%-31.9pp | 418.37%-450.3pp |
| Employer contribution / active EE | $9,848 | $5,620+75.2% | $4,952+98.9% | $4,742+107.7% |
| Participant deferral / active EE | $4,817 | $6,447-25.3% | $5,638-14.6% | $6,401-24.8% |
| Admin fee / account holder | $1,530 | $18,096-91.5% | $14,679-89.6% | $11,431-86.6% |