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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 | $108,223 | $167,353-35.3% | $143,797-24.7% | $134,545-19.6% |
| Participation rate | 77.8% | 84.8%-7.0pp | 80.3%-2.5pp | 81.2%-3.5pp |
| Annual return | -20.20% | 0.48%-20.7pp | -0.04%-20.2pp | 418.37%-438.6pp |
| Employer contribution / active EE | $2,339 | $5,620-58.4% | $4,952-52.8% | $4,742-50.7% |
| Participant deferral / active EE | $4,861 | $6,447-24.6% | $5,638-13.8% | $6,401-24.1% |
| Admin fee / account holder | $3,573 | $18,096-80.3% | $14,679-75.7% | $11,431-68.7% |