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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 | $51,364 | $167,362-69.3% | $143,799-64.3% | $134,532-61.8% |
| Participation rate | 72.7% | 84.8%-12.1pp | 80.3%-7.6pp | 81.2%-8.5pp |
| Annual return | -20.13% | 0.47%-20.6pp | -0.04%-20.1pp | 418.27%-438.4pp |
| Employer contribution / active EE | $2,134 | $5,620-62.0% | $4,952-56.9% | $4,741-55.0% |
| Participant deferral / active EE | $6,739 | $6,447+4.5% | $5,638+19.5% | $6,401+5.3% |
| Admin fee / account holder | $1,950 | $18,094-89.2% | $14,677-86.7% | $11,429-82.9% |