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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 | $46,559 | $95,188-51.1% | $76,518-39.2% | $135,379-65.6% |
| Participation rate | 90.9% | 74.4%+16.5pp | 68.0%+22.9pp | 82.6%+8.3pp |
| Annual return | -10.88% | 4.85%-15.7pp | -0.27%-10.6pp | 519.79%-530.7pp |
| Employer contribution / active EE | $1,334 | $3,303-59.6% | $2,647-49.6% | $4,779-72.1% |
| Participant deferral / active EE | $7,027 | $4,640+51.5% | $3,836+83.2% | $5,609+25.3% |
| Admin fee / account holder | $633 | $6,249-89.9% | $4,849-86.9% | $10,828-94.2% |