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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 | $18,536 | $73,863-74.9% | $143,797-87.1% | $68,490-72.9% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -19.65% | 0.91%-20.6pp | -0.04%-19.6pp | -7.85%-11.8pp |
| Employer contribution / active EE | $1,389 | $3,185-56.4% | $4,952-72.0% | $2,597-46.5% |
| Participant deferral / active EE | $1,661 | $3,385-50.9% | $5,638-70.5% | $4,028-58.8% |
| Admin fee / account holder | $1,324 | $5,756-77.0% | $14,679-91.0% | $5,403-75.5% |