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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 | $74,621 | $73,863+1.0% | $143,797-48.1% | $68,490+9.0% |
| Participation rate | 97.1% | 66.7%+30.5pp | 80.3%+16.8pp | 67.9%+29.2pp |
| Annual return | -29.60% | 0.91%-30.5pp | -0.04%-29.6pp | -7.85%-21.7pp |
| Employer contribution / active EE | $4,159 | $3,185+30.6% | $4,952-16.0% | $2,597+60.2% |
| Participant deferral / active EE | $2,804 | $3,385-17.1% | $5,638-50.3% | $4,028-30.4% |
| Admin fee / account holder | $1,918 | $5,756-66.7% | $14,679-86.9% | $5,403-64.5% |