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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 | $61,725 | $45,872+34.6% | $77,081-19.9% | $68,495-9.9% |
| Participation rate | 100.0% | 55.9%+44.1pp | 67.9%+32.1pp | 67.9%+32.1pp |
| Annual return | -22.12% | 1.73%-23.8pp | 42.33%-64.4pp | -7.84%-14.3pp |
| Employer contribution / active EE | $5,100 | $1,650+209.2% | $2,813+81.3% | $2,596+96.4% |
| Participant deferral / active EE | $4,310 | $2,963+45.5% | $4,428-2.7% | $4,028+7.0% |
| Admin fee / account holder | $1,724 | $3,041-43.3% | $5,427-68.2% | $5,403-68.1% |