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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 | $63,576 | $167,353-62.0% | $143,797-55.8% | $134,545-52.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -20.66% | 0.48%-21.1pp | -0.04%-20.6pp | 418.37%-439.0pp |
| Employer contribution / active EE | $1,871 | $5,620-66.7% | $4,952-62.2% | $4,742-60.5% |
| Participant deferral / active EE | $14,339 | $6,447+122.4% | $5,638+154.3% | $6,401+124.0% |
| Admin fee / account holder | $3,508 | $18,096-80.6% | $14,679-76.1% | $11,431-69.3% |