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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 | $39,541 | $67,214-41.2% | $61,491-35.7% | $134,532-70.6% |
| Participation rate | 100.0% | 83.7%+16.3pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -22.97% | -12.08%-10.9pp | -12.98%-10.0pp | 418.27%-441.2pp |
| Employer contribution / active EE | $0 | $4,974-100.0% | $4,246-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $7,210 | $6,103+18.1% | $5,188+39.0% | $6,401+12.6% |
| Admin fee / account holder | $2,548 | $4,610-44.7% | $4,312-40.9% | $11,429-77.7% |