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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 | $87,041 | $113,941-23.6% | $94,228-7.6% | $125,388-30.6% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -5.56% | 5.29%-10.8pp | 10.68%-16.2pp | 282.24%-287.8pp |
| Employer contribution / active EE | $1,808 | $4,727-61.7% | $3,587-49.6% | $4,866-62.8% |
| Participant deferral / active EE | $1,927 | $5,179-62.8% | $4,320-55.4% | $5,352-64.0% |
| Admin fee / account holder | $832 | $8,392-90.1% | $6,269-86.7% | $9,541-91.3% |