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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 | $28,381 | $105,866-73.2% | $90,766-68.7% | $134,545-78.9% |
| Participation rate | 100.0% | 78.3%+21.7pp | 75.7%+24.3pp | 81.2%+18.8pp |
| Annual return | -20.72% | -10.99%-9.7pp | -12.16%-8.6pp | 418.37%-439.1pp |
| Employer contribution / active EE | $1,298 | $3,464-62.5% | $2,922-55.6% | $4,742-72.6% |
| Participant deferral / active EE | $2,739 | $5,217-47.5% | $4,565-40.0% | $6,401-57.2% |
| Admin fee / account holder | $1,465 | $13,938-89.5% | $8,446-82.7% | $11,431-87.2% |