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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 | $17,015 | $54,162-68.6% | $68,612-75.2% | $64,173-73.5% |
| Participation rate | 73.1% | 68.1%+5.1pp | 72.2%+0.9pp | 69.6%+3.6pp |
| Annual return | -11.90% | -1.62%-10.3pp | -4.63%-7.3pp | 7.63%-19.5pp |
| Employer contribution / active EE | $0 | $1,846-100.0% | $2,625-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,781 | $2,626-32.2% | $3,311-46.2% | $3,470-48.7% |
| Admin fee / account holder | $954 | $4,029-76.3% | $5,131-81.4% | $4,887-80.5% |