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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 | $109,399 | $110,083-0.6% | $151,645-27.9% | $68,490+59.7% |
| Participation rate | 84.0% | 84.0%0pp | 87.5%-3.5pp | 67.9%+16.1pp |
| Annual return | -19.88% | -10.12%-9.8pp | 3.34%-23.2pp | -7.85%-12.0pp |
| Employer contribution / active EE | $12,753 | $4,470+185.3% | $6,165+106.9% | $2,597+391.1% |
| Participant deferral / active EE | $7,855 | $6,526+20.4% | $8,363-6.1% | $4,028+95.0% |
| Admin fee / account holder | $3,444 | $7,718-55.4% | $11,614-70.3% | $5,403-36.3% |