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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 | $13,233 | $95,917-86.2% | $79,583-83.4% | $134,545-90.2% |
| Participation rate | 75.0% | 75.0%0pp | 69.5%+5.5pp | 81.2%-6.2pp |
| Annual return | -22.95% | -2.70%-20.2pp | 0.16%-23.1pp | 418.37%-441.3pp |
| Employer contribution / active EE | $2,673 | $3,129-14.6% | $2,414+10.8% | $4,742-43.6% |
| Participant deferral / active EE | $5,199 | $4,694+10.8% | $3,986+30.4% | $6,401-18.8% |
| Admin fee / account holder | $375 | $9,132-95.9% | $6,835-94.5% | $11,431-96.7% |