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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 | $21,150 | $73,848-71.4% | $143,799-85.3% | $68,486-69.1% |
| Participation rate | 75.9% | 66.7%+9.2pp | 80.3%-4.5pp | 67.9%+8.0pp |
| Annual return | -22.09% | 0.91%-23.0pp | -0.04%-22.0pp | -7.85%-14.2pp |
| Employer contribution / active EE | $2,066 | $3,184-35.1% | $4,952-58.3% | $2,597-20.4% |
| Participant deferral / active EE | $2,361 | $3,385-30.2% | $5,638-58.1% | $4,028-41.4% |
| Admin fee / account holder | $779 | $5,755-86.5% | $14,677-94.7% | $5,404-85.6% |