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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 | $41,956 | $81,870-48.8% | $119,622-64.9% | $68,486-38.7% |
| Participation rate | 85.7% | 71.9%+13.8pp | 79.3%+6.5pp | 67.9%+17.8pp |
| Annual return | -22.45% | -23.82%+1.4pp | -14.98%-7.5pp | -7.85%-14.6pp |
| Employer contribution / active EE | $3,739 | $2,692+38.9% | $4,232-11.7% | $2,597+44.0% |
| Participant deferral / active EE | $4,303 | $4,148+3.7% | $5,601-23.2% | $4,028+6.8% |
| Admin fee / account holder | $4,931 | $6,583-25.1% | $10,328-52.3% | $5,404-8.7% |