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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 | $42,883 | $72,404-40.8% | $110,243-61.1% | $64,173-33.2% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | -8.85% | -6.29%-2.6pp | 314.76%-323.6pp | 7.63%-16.5pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,827-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,368 | $3,469-2.9% | $4,672-27.9% | $3,470-2.9% |
| Admin fee / account holder | $1,152 | $5,664-79.7% | $8,548-86.5% | $4,887-76.4% |