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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 | $25,008 | $142,409-82.4% | $119,634-79.1% | $134,545-81.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -21.41% | -12.46%-9.0pp | -14.98%-6.4pp | 418.37%-439.8pp |
| Employer contribution / active EE | $3,277 | $5,224-37.3% | $4,232-22.6% | $4,742-30.9% |
| Participant deferral / active EE | $5,681 | $6,468-12.2% | $5,601+1.4% | $6,401-11.3% |
| Admin fee / account holder | $461 | $13,594-96.6% | $10,329-95.5% | $11,431-96.0% |