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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 | $26,583 | $53,162-50.0% | $91,225-70.9% | $68,486-61.2% |
| Participation rate | 81.3% | 63.2%+18.1pp | 73.2%+8.1pp | 67.9%+13.4pp |
| Annual return | -27.07% | -3.14%-23.9pp | 114.12%-141.2pp | -7.85%-19.2pp |
| Employer contribution / active EE | $6,309 | $1,709+269.1% | $2,851+121.3% | $2,597+143.0% |
| Participant deferral / active EE | $4,704 | $2,974+58.2% | $4,233+11.1% | $4,028+16.8% |
| Admin fee / account holder | $1,484 | $4,493-67.0% | $5,422-72.6% | $5,404-72.5% |