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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 | $52,104 | $167,362-68.9% | $143,799-63.8% | $134,532-61.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -23.93% | 0.47%-24.4pp | -0.04%-23.9pp | 418.27%-442.2pp |
| Employer contribution / active EE | $2,137 | $5,620-62.0% | $4,952-56.9% | $4,741-54.9% |
| Participant deferral / active EE | $5,568 | $6,447-13.6% | $5,638-1.3% | $6,401-13.0% |
| Admin fee / account holder | $806 | $18,094-95.5% | $14,677-94.5% | $11,429-93.0% |